Home > Sawyer Savings Bank > Performance and Condition Ratios
Sawyer Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 2,967 |
| Cost of funding earning assets | 1.5545% | 1,799 |
| Net interest margin | 3.0161% | 3,243 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.9229% | 1,226 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.2532% | 4,093 |
| Return on assets (ROA) | 0.1035% | 4,276 |
| Pretax return on assets | 0.1147% | 4,266 |
| Return on Equity (ROE) | 1.1500% | 4,244 |
| Retained earnings to average equity (ytd only) | 1.1468% | 3,802 |
| Net charge-offs to loans | 0.0445% | 1,447 |
| Credit loss provision to net charge-offs | 61.3861% | 2,140 |
| Earnings coverage of net charge-offs (x) | 8.5941% | 2,334 |
| Efficiency ratio | 90.6193% | 394 |
| Assets per employee ($millions) | 7.6414% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 3,734 |
| Loan loss allowance to noncurrent loans | 108.3636% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 805 |
| Noncurrent loans to loans | 0.8252% | 935 |
| Net loans and leases to total assets | 79.6200% | 686 |
| Net loans and leases to deposits | 95.2346% | 846 |
| Net loans and leases to core deposits | 128.7817% | 420 |
| Total domestic deposits to total assets | 83.6100% | 2,729 |
| Equity capital to assets | 9.1376% | 2,582 |
| Core capital (leverage) ratio | 10.0635% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3098% | 1,204 |
| Memoranda: | ||
| Average total assets | $286,870,200 | 2,487 |
| Average earning assets | $274,230,000 | 2,440 |
| Average equity | $25,897,400 | 2,467 |
| Average total loans | $227,055,000 | 2,122 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 2,903 |
| Cost of funding earning assets | 1.4239% | 1,799 |
| Net interest margin | 3.0806% | 3,173 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.8550% | 1,309 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.2960% | 4,118 |
| Return on assets (ROA) | 0.0914% | 4,348 |
| Pretax return on assets | 0.0993% | 4,346 |
| Return on Equity (ROE) | 1.0200% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.0153% | 3,947 |
| Net charge-offs to loans | -0.0142% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 89.2842% | 398 |
| Assets per employee ($millions) | 7.2652% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 3,613 |
| Loan loss allowance to noncurrent loans | 113.7895% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 861 |
| Noncurrent loans to loans | 0.8216% | 1,003 |
| Net loans and leases to total assets | 80.0400% | 641 |
| Net loans and leases to deposits | 96.8783% | 695 |
| Net loans and leases to core deposits | 127.4675% | 382 |
| Total domestic deposits to total assets | 82.6200% | 3,087 |
| Equity capital to assets | 8.8315% | 2,518 |
| Core capital (leverage) ratio | 10.0468% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0982% | 1,297 |
| Memoranda: | ||
| Average total assets | $285,994,500 | 2,495 |
| Average earning assets | $273,232,500 | 2,456 |
| Average equity | $25,738,500 | 2,465 |
| Average total loans | $225,496,500 | 2,128 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 2,805 |
| Cost of funding earning assets | 1.3025% | 1,706 |
| Net interest margin | 3.1305% | 3,150 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.9024% | 1,204 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.2776% | 4,187 |
| Return on assets (ROA) | 0.0127% | 4,443 |
| Pretax return on assets | -0.0007% | 4,460 |
| Return on Equity (ROE) | 0.1400% | 4,425 |
| Retained earnings to average equity (ytd only) | 0.1397% | 4,042 |
| Net charge-offs to loans | -0.0279% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.7933% | 393 |
| Assets per employee ($millions) | 6.6138% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,571 |
| Loan loss allowance to noncurrent loans | 137.2195% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 982 |
| Noncurrent loans to loans | 0.6998% | 1,068 |
| Net loans and leases to total assets | 78.0100% | 831 |
| Net loans and leases to deposits | 93.3597% | 920 |
| Net loans and leases to core deposits | 120.4588% | 500 |
| Total domestic deposits to total assets | 83.5600% | 2,919 |
| Equity capital to assets | 8.9121% | 2,579 |
| Core capital (leverage) ratio | 10.1201% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3229% | 1,257 |
| Memoranda: | ||
| Average total assets | $284,456,333 | 2,503 |
| Average earning assets | $271,778,000 | 2,468 |
| Average equity | $25,763,000 | 2,480 |
| Average total loans | $222,398,667 | 2,142 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 2,647 |
| Cost of funding earning assets | 1.1472% | 1,608 |
| Net interest margin | 3.2152% | 3,077 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.8651% | 1,303 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.3616% | 4,151 |
| Return on assets (ROA) | 0.2134% | 4,304 |
| Pretax return on assets | 0.2532% | 4,291 |
| Return on Equity (ROE) | 2.3400% | 4,258 |
| Retained earnings to average equity (ytd only) | 2.3367% | 3,644 |
| Net charge-offs to loans | -0.0621% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.3028% | 534 |
| Assets per employee ($millions) | 6.3195% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 3,541 |
| Loan loss allowance to noncurrent loans | 120.2946% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 780 |
| Noncurrent loans to loans | 0.8264% | 925 |
| Net loans and leases to total assets | 77.2200% | 850 |
| Net loans and leases to deposits | 92.0832% | 911 |
| Net loans and leases to core deposits | 118.1483% | 488 |
| Total domestic deposits to total assets | 83.8600% | 3,116 |
| Equity capital to assets | 9.1899% | 2,379 |
| Core capital (leverage) ratio | 10.3595% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2224% | 1,126 |
| Memoranda: | ||
| Average total assets | $281,180,500 | 2,554 |
| Average earning assets | $268,475,000 | 2,513 |
| Average equity | $25,677,000 | 2,507 |
| Average total loans | $218,988,000 | 2,178 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 1,951 |
| Cost of funding earning assets | 0.4278% | 1,879 |
| Net interest margin | 3.4877% | 1,964 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.9150% | 1,103 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.4306% | 4,206 |
| Return on assets (ROA) | 0.4248% | 4,179 |
| Pretax return on assets | 0.5196% | 4,151 |
| Return on Equity (ROE) | 4.4000% | 4,098 |
| Retained earnings to average equity (ytd only) | 4.3988% | 3,268 |
| Net charge-offs to loans | 0.0010% | 2,546 |
| Credit loss provision to net charge-offs | 6,750.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 784.0000% | 233 |
| Efficiency ratio | 83.4947% | 511 |
| Assets per employee ($millions) | 5.9146% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,454 |
| Loan loss allowance to noncurrent loans | 114.8707% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 743 |
| Noncurrent loans to loans | 0.8586% | 870 |
| Net loans and leases to total assets | 77.0000% | 892 |
| Net loans and leases to deposits | 91.0107% | 981 |
| Net loans and leases to core deposits | 112.4504% | 536 |
| Total domestic deposits to total assets | 84.6000% | 3,082 |
| Equity capital to assets | 9.0724% | 2,316 |
| Core capital (leverage) ratio | 10.4641% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6316% | 1,033 |
| Memoranda: | ||
| Average total assets | $272,111,000 | 2,595 |
| Average earning assets | $260,372,600 | 2,549 |
| Average equity | $26,280,000 | 2,516 |
| Average total loans | $205,725,000 | 2,189 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8562% | 1,599 |
| Cost of funding earning assets | 0.3320% | 1,840 |
| Net interest margin | 3.5243% | 1,595 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 3.0997% | 785 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.4097% | 4,224 |
| Return on assets (ROA) | 0.4020% | 4,187 |
| Pretax return on assets | 0.4921% | 4,163 |
| Return on Equity (ROE) | 4.1000% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.0986% | 3,409 |
| Net charge-offs to loans | 0.0039% | 2,068 |
| Credit loss provision to net charge-offs | 2,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 192.1667% | 635 |
| Efficiency ratio | 84.5131% | 519 |
| Assets per employee ($millions) | 5.4070% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,470 |
| Loan loss allowance to noncurrent loans | 392.4354% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,291 |
| Noncurrent loans to loans | 0.2555% | 2,355 |
| Net loans and leases to total assets | 76.1400% | 899 |
| Net loans and leases to deposits | 89.7268% | 909 |
| Net loans and leases to core deposits | 107.8357% | 538 |
| Total domestic deposits to total assets | 84.8600% | 3,317 |
| Equity capital to assets | 9.0533% | 2,176 |
| Core capital (leverage) ratio | 10.5002% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0620% | 978 |
| Memoranda: | ||
| Average total assets | $270,642,500 | 2,620 |
| Average earning assets | $259,036,250 | 2,578 |
| Average equity | $26,545,000 | 2,541 |
| Average total loans | $203,113,750 | 2,206 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 1,271 |
| Cost of funding earning assets | 0.3035% | 1,687 |
| Net interest margin | 3.5174% | 1,270 |
| Noninterest income to average assets | 0.2997% | 3,363 |
| Noninterest expense to average assets | 3.0609% | 775 |
| Loan and lease loss provision to assets | 0.0669% | 1,416 |
| Net operating income to assets | 0.4417% | 4,022 |
| Return on assets (ROA) | 0.4417% | 3,975 |
| Pretax return on assets | 0.5421% | 3,937 |
| Return on Equity (ROE) | 4.3884% | 3,935 |
| Retained earnings to average equity (ytd only) | 4.3884% | 2,928 |
| Net charge-offs to loans | 0.0010% | 2,112 |
| Credit loss provision to net charge-offs | 9,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 819.0000% | 167 |
| Efficiency ratio | 83.4043% | 713 |
| Assets per employee ($millions) | 5.6530% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 3,462 |
| Loan loss allowance to noncurrent loans | 322.5657% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 2,131 |
| Noncurrent loans to loans | 0.3199% | 2,199 |
| Net loans and leases to total assets | 73.7725% | 939 |
| Net loans and leases to deposits | 84.7573% | 1,067 |
| Net loans and leases to core deposits | 99.9087% | 673 |
| Total domestic deposits to total assets | 87.0397% | 2,921 |
| Equity capital to assets | 9.4747% | 2,036 |
| Core capital (leverage) ratio | 10.4856% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6814% | 1,038 |
| Memoranda: | ||
| Average total assets | $268,938,000 | 2,655 |
| Average earning assets | $257,692,000 | 2,615 |
| Average equity | $27,071,667 | 2,576 |
| Average total loans | $200,120,000 | 2,236 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 1,104 |
| Cost of funding earning assets | 0.3145% | 1,517 |
| Net interest margin | 3.4748% | 1,137 |
| Noninterest income to average assets | 0.3242% | 3,162 |
| Noninterest expense to average assets | 3.0418% | 770 |
| Loan and lease loss provision to assets | 0.0672% | 1,215 |
| Net operating income to assets | 0.4482% | 3,850 |
| Return on assets (ROA) | 0.4482% | 3,817 |
| Pretax return on assets | 0.5498% | 3,754 |
| Return on Equity (ROE) | 4.3239% | 3,799 |
| Retained earnings to average equity (ytd only) | 4.3239% | 2,835 |
| Net charge-offs to loans | 0.0020% | 1,755 |
| Credit loss provision to net charge-offs | 4,500.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 413.0000% | 248 |
| Efficiency ratio | 83.1360% | 910 |
| Assets per employee ($millions) | 5.8109% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,622 |
| Loan loss allowance to noncurrent loans | 699.3151% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 3,043 |
| Noncurrent loans to loans | 0.1463% | 3,074 |
| Net loans and leases to total assets | 73.8952% | 666 |
| Net loans and leases to deposits | 85.7248% | 762 |
| Net loans and leases to core deposits | 99.8196% | 519 |
| Total domestic deposits to total assets | 86.2005% | 3,195 |
| Equity capital to assets | 10.1066% | 1,823 |
| Core capital (leverage) ratio | 10.3689% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0501% | 1,031 |
| Memoranda: | ||
| Average total assets | $267,734,500 | 2,678 |
| Average earning assets | $256,932,500 | 2,631 |
| Average equity | $27,753,000 | 2,623 |
| Average total loans | $199,047,500 | 2,236 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 2,097 |
| Cost of funding earning assets | 0.5013% | 926 |
| Net interest margin | 3.2047% | 2,589 |
| Noninterest income to average assets | 0.5420% | 2,390 |
| Noninterest expense to average assets | 2.9187% | 1,115 |
| Loan and lease loss provision to assets | 0.1684% | 692 |
| Net operating income to assets | 0.4236% | 4,237 |
| Return on assets (ROA) | 0.4855% | 4,164 |
| Pretax return on assets | 0.5962% | 4,114 |
| Return on Equity (ROE) | 4.6042% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.6042% | 2,965 |
| Net charge-offs to loans | -0.0212% | 4,005 |
| Credit loss provision to net charge-offs | -1,097.5610% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9173% | 751 |
| Assets per employee ($millions) | 6.2365% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,721 |
| Loan loss allowance to noncurrent loans | 366.6055% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,551 |
| Noncurrent loans to loans | 0.2745% | 2,622 |
| Net loans and leases to total assets | 73.2870% | 724 |
| Net loans and leases to deposits | 85.6876% | 812 |
| Net loans and leases to core deposits | 99.8243% | 545 |
| Total domestic deposits to total assets | 85.5282% | 3,080 |
| Equity capital to assets | 10.6243% | 2,068 |
| Core capital (leverage) ratio | 10.3085% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6070% | 1,138 |
| Memoranda: | ||
| Average total assets | $267,173,000 | 2,621 |
| Average earning assets | $255,528,400 | 2,583 |
| Average equity | $28,170,000 | 2,642 |
| Average total loans | $193,483,200 | 2,280 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 2,264 |
| Cost of funding earning assets | 0.5013% | 1,036 |
| Net interest margin | 3.2035% | 2,718 |
| Noninterest income to average assets | 0.4660% | 2,771 |
| Noninterest expense to average assets | 2.8467% | 1,225 |
| Loan and lease loss provision to assets | 0.1124% | 1,072 |
| Net operating income to assets | 0.4599% | 4,280 |
| Return on assets (ROA) | 0.5425% | 4,161 |
| Pretax return on assets | 0.6698% | 4,120 |
| Return on Equity (ROE) | 5.1548% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.1548% | 3,160 |
| Net charge-offs to loans | -0.0291% | 4,119 |
| Credit loss provision to net charge-offs | -535.7143% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7109% | 709 |
| Assets per employee ($millions) | 6.2083% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 4,113 |
| Loan loss allowance to noncurrent loans | 299.6622% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 2,696 |
| Noncurrent loans to loans | 0.3056% | 2,700 |
| Net loans and leases to total assets | 70.2668% | 1,057 |
| Net loans and leases to deposits | 84.2803% | 943 |
| Net loans and leases to core deposits | 102.9599% | 495 |
| Total domestic deposits to total assets | 83.3727% | 3,616 |
| Equity capital to assets | 10.4523% | 2,489 |
| Core capital (leverage) ratio | 10.1176% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3716% | 1,274 |
| Memoranda: | ||
| Average total assets | $266,924,000 | 2,645 |
| Average earning assets | $255,045,250 | 2,605 |
| Average equity | $28,089,750 | 2,675 |
| Average total loans | $192,221,250 | 2,326 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 2,340 |
| Cost of funding earning assets | 0.5387% | 994 |
| Net interest margin | 3.1585% | 2,876 |
| Noninterest income to average assets | 0.4848% | 2,693 |
| Noninterest expense to average assets | 2.8341% | 1,280 |
| Loan and lease loss provision to assets | 0.1133% | 1,115 |
| Net operating income to assets | 0.4491% | 4,303 |
| Return on assets (ROA) | 0.5739% | 4,090 |
| Pretax return on assets | 0.7114% | 4,043 |
| Return on Equity (ROE) | 5.4411% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.4411% | 3,019 |
| Net charge-offs to loans | -0.0469% | 4,343 |
| Credit loss provision to net charge-offs | -333.3333% | 3,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8662% | 736 |
| Assets per employee ($millions) | 6.0982% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,198 |
| Loan loss allowance to noncurrent loans | 280.8581% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 2,800 |
| Noncurrent loans to loans | 0.3151% | 2,794 |
| Net loans and leases to total assets | 71.0350% | 1,079 |
| Net loans and leases to deposits | 85.6395% | 941 |
| Net loans and leases to core deposits | 106.4334% | 461 |
| Total domestic deposits to total assets | 82.9465% | 3,719 |
| Equity capital to assets | 10.5288% | 2,370 |
| Core capital (leverage) ratio | 10.2820% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1483% | 1,300 |
| Memoranda: | ||
| Average total assets | $264,843,333 | 2,651 |
| Average earning assets | $253,218,667 | 2,609 |
| Average equity | $27,935,667 | 2,680 |
| Average total loans | $191,722,000 | 2,334 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 2,283 |
| Cost of funding earning assets | 0.6142% | 825 |
| Net interest margin | 3.1174% | 2,934 |
| Noninterest income to average assets | 0.5564% | 2,385 |
| Noninterest expense to average assets | 2.7548% | 1,480 |
| Loan and lease loss provision to assets | 0.1140% | 1,209 |
| Net operating income to assets | 0.5361% | 4,102 |
| Return on assets (ROA) | 0.7221% | 3,723 |
| Pretax return on assets | 0.8985% | 3,601 |
| Return on Equity (ROE) | 6.8399% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.8399% | 2,628 |
| Net charge-offs to loans | 0.0063% | 1,674 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 448 |
| Efficiency ratio | 77.9355% | 959 |
| Assets per employee ($millions) | 6.0340% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,362 |
| Loan loss allowance to noncurrent loans | 188.8756% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 2,568 |
| Noncurrent loans to loans | 0.4348% | 2,555 |
| Net loans and leases to total assets | 71.8180% | 1,051 |
| Net loans and leases to deposits | 86.5131% | 922 |
| Net loans and leases to core deposits | 109.5752% | 422 |
| Total domestic deposits to total assets | 83.0141% | 3,682 |
| Equity capital to assets | 10.4582% | 2,306 |
| Core capital (leverage) ratio | 10.4030% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5068% | 1,164 |
| Memoranda: | ||
| Average total assets | $263,105,000 | 2,643 |
| Average earning assets | $251,364,500 | 2,601 |
| Average equity | $27,778,000 | 2,687 |
| Average total loans | $191,431,500 | 2,342 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 3,152 |
| Cost of funding earning assets | 0.9824% | 633 |
| Net interest margin | 2.8723% | 4,161 |
| Noninterest income to average assets | 0.5543% | 2,404 |
| Noninterest expense to average assets | 2.9300% | 1,603 |
| Loan and lease loss provision to assets | 0.1111% | 2,957 |
| Net operating income to assets | 0.1996% | 4,572 |
| Return on assets (ROA) | 0.3161% | 4,480 |
| Pretax return on assets | 0.3921% | 4,435 |
| Return on Equity (ROE) | 3.0278% | 4,371 |
| Retained earnings to average equity (ytd only) | 3.0278% | 3,336 |
| Net charge-offs to loans | -0.2016% | 4,897 |
| Credit loss provision to net charge-offs | -76.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0745% | 409 |
| Assets per employee ($millions) | 6.0631% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 4,446 |
| Loan loss allowance to noncurrent loans | 163.1636% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 2,567 |
| Noncurrent loans to loans | 0.4842% | 2,517 |
| Net loans and leases to total assets | 72.5331% | 1,222 |
| Net loans and leases to deposits | 90.6647% | 877 |
| Net loans and leases to core deposits | 114.7970% | 390 |
| Total domestic deposits to total assets | 80.0015% | 4,040 |
| Equity capital to assets | 10.6592% | 2,554 |
| Core capital (leverage) ratio | 10.4381% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5202% | 1,148 |
| Memoranda: | ||
| Average total assets | $256,556,200 | 2,534 |
| Average earning assets | $244,300,800 | 2,497 |
| Average equity | $26,785,400 | 2,690 |
| Average total loans | $186,024,000 | 2,362 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 3,458 |
| Cost of funding earning assets | 1.0679% | 601 |
| Net interest margin | 2.7652% | 4,383 |
| Noninterest income to average assets | 0.4644% | 2,765 |
| Noninterest expense to average assets | 2.8125% | 1,937 |
| Loan and lease loss provision to assets | 0.0704% | 3,447 |
| Net operating income to assets | 0.1706% | 4,632 |
| Return on assets (ROA) | 0.3063% | 4,488 |
| Pretax return on assets | 0.3830% | 4,452 |
| Return on Equity (ROE) | 2.9496% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.9496% | 3,544 |
| Net charge-offs to loans | -0.2632% | 4,944 |
| Credit loss provision to net charge-offs | -36.9863% | 3,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8325% | 342 |
| Assets per employee ($millions) | 5.8178% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 4,537 |
| Loan loss allowance to noncurrent loans | 88.5602% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 1,949 |
| Noncurrent loans to loans | 0.8140% | 1,794 |
| Net loans and leases to total assets | 72.4697% | 1,596 |
| Net loans and leases to deposits | 90.6328% | 1,208 |
| Net loans and leases to core deposits | 114.1572% | 548 |
| Total domestic deposits to total assets | 79.9596% | 3,874 |
| Equity capital to assets | 10.6804% | 2,641 |
| Core capital (leverage) ratio | 10.2384% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1429% | 1,030 |
| Memoranda: | ||
| Average total assets | $255,516,750 | 2,529 |
| Average earning assets | $243,210,500 | 2,493 |
| Average equity | $26,534,250 | 2,695 |
| Average total loans | $184,877,500 | 2,373 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 3,657 |
| Cost of funding earning assets | 1.1938% | 512 |
| Net interest margin | 2.6937% | 4,559 |
| Noninterest income to average assets | 0.3595% | 3,330 |
| Noninterest expense to average assets | 2.8211% | 2,046 |
| Loan and lease loss provision to assets | 0.0352% | 3,826 |
| Net operating income to assets | 0.0587% | 4,722 |
| Return on assets (ROA) | 0.2624% | 4,521 |
| Pretax return on assets | 0.3289% | 4,500 |
| Return on Equity (ROE) | 2.5509% | 4,438 |
| Retained earnings to average equity (ytd only) | 2.5509% | 3,564 |
| Net charge-offs to loans | 0.0033% | 2,878 |
| Credit loss provision to net charge-offs | 1,500.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 1,152 |
| Efficiency ratio | 96.2587% | 239 |
| Assets per employee ($millions) | 5.8453% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4783% | 4,854 |
| Loan loss allowance to noncurrent loans | 65.0329% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,233 |
| Noncurrent loans to loans | 0.7354% | 2,038 |
| Net loans and leases to total assets | 71.9284% | 1,721 |
| Net loans and leases to deposits | 89.2518% | 1,424 |
| Net loans and leases to core deposits | 118.6711% | 463 |
| Total domestic deposits to total assets | 80.5904% | 3,705 |
| Equity capital to assets | 10.4280% | 2,811 |
| Core capital (leverage) ratio | 10.2036% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4516% | 1,146 |
| Memoranda: | ||
| Average total assets | $255,361,333 | 2,511 |
| Average earning assets | $243,751,333 | 2,465 |
| Average equity | $26,265,667 | 2,699 |
| Average total loans | $184,217,667 | 2,364 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 3,982 |
| Cost of funding earning assets | 1.2568% | 640 |
| Net interest margin | 2.6709% | 4,691 |
| Noninterest income to average assets | 0.3773% | 3,252 |
| Noninterest expense to average assets | 2.6976% | 2,708 |
| Loan and lease loss provision to assets | 0.0236% | 3,510 |
| Net operating income to assets | 0.1705% | 4,570 |
| Return on assets (ROA) | 0.1792% | 4,563 |
| Pretax return on assets | 0.2295% | 4,538 |
| Return on Equity (ROE) | 1.7546% | 4,498 |
| Retained earnings to average equity (ytd only) | 1.7546% | 3,529 |
| Net charge-offs to loans | 0.0065% | 2,344 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 880 |
| Efficiency ratio | 91.7647% | 437 |
| Assets per employee ($millions) | 5.9023% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4685% | 4,898 |
| Loan loss allowance to noncurrent loans | 56.4760% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 2,207 |
| Noncurrent loans to loans | 0.8295% | 1,949 |
| Net loans and leases to total assets | 71.9102% | 1,932 |
| Net loans and leases to deposits | 87.8782% | 1,759 |
| Net loans and leases to core deposits | 130.2717% | 263 |
| Total domestic deposits to total assets | 81.8294% | 3,463 |
| Equity capital to assets | 10.3101% | 3,514 |
| Core capital (leverage) ratio | 10.0356% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8912% | 1,160 |
| Memoranda: | ||
| Average total assets | $254,446,000 | 2,469 |
| Average earning assets | $244,114,500 | 2,418 |
| Average equity | $25,988,500 | 2,710 |
| Average total loans | $183,385,000 | 2,325 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 4,321 |
| Cost of funding earning assets | 1.2474% | 904 |
| Net interest margin | 2.7245% | 4,821 |
| Noninterest income to average assets | 0.4531% | 2,992 |
| Noninterest expense to average assets | 2.8577% | 2,420 |
| Loan and lease loss provision to assets | 0.2812% | 621 |
| Net operating income to assets | -0.0755% | 4,997 |
| Return on assets (ROA) | 0.0406% | 4,968 |
| Pretax return on assets | 0.0402% | 4,963 |
| Return on Equity (ROE) | 0.3925% | 4,965 |
| Retained earnings to average equity (ytd only) | 0.3925% | 4,577 |
| Net charge-offs to loans | 0.4273% | 450 |
| Credit loss provision to net charge-offs | 91.9842% | 2,627 |
| Earnings coverage of net charge-offs (x) | 0.6715% | 3,597 |
| Efficiency ratio | 93.2992% | 259 |
| Assets per employee ($millions) | 5.9324% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4613% | 4,935 |
| Loan loss allowance to noncurrent loans | 84.6847% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 2,835 |
| Noncurrent loans to loans | 0.5447% | 2,537 |
| Net loans and leases to total assets | 71.5652% | 2,156 |
| Net loans and leases to deposits | 88.4464% | 1,780 |
| Net loans and leases to core deposits | 135.9049% | 214 |
| Total domestic deposits to total assets | 80.9136% | 3,787 |
| Equity capital to assets | 10.1179% | 3,817 |
| Core capital (leverage) ratio | 10.0253% | 3,490 |
| Tier 1 risk-based capital ratio | 18.8291% | 1,562 |
| Total risk-based capital ratio | 19.4730% | 1,660 |
| Memoranda: | ||
| Average total assets | $248,973,000 | 2,469 |
| Average earning assets | $238,505,600 | 2,418 |
| Average equity | $25,730,600 | 2,659 |
| Average total loans | $178,076,000 | 2,341 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 4,429 |
| Cost of funding earning assets | 1.2248% | 969 |
| Net interest margin | 2.7388% | 4,908 |
| Noninterest income to average assets | 0.3249% | 3,802 |
| Noninterest expense to average assets | 2.6678% | 2,954 |
| Loan and lease loss provision to assets | 0.1239% | 1,573 |
| Net operating income to assets | 0.1288% | 4,995 |
| Return on assets (ROA) | 0.2581% | 4,908 |
| Pretax return on assets | 0.3109% | 4,893 |
| Return on Equity (ROE) | 2.4840% | 4,843 |
| Retained earnings to average equity (ytd only) | 2.4840% | 4,099 |
| Net charge-offs to loans | 0.3033% | 575 |
| Credit loss provision to net charge-offs | 57.2139% | 2,734 |
| Earnings coverage of net charge-offs (x) | 1.2886% | 3,311 |
| Efficiency ratio | 90.5284% | 307 |
| Assets per employee ($millions) | 5.8379% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4040% | 5,058 |
| Loan loss allowance to noncurrent loans | 58.6922% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 2,530 |
| Noncurrent loans to loans | 0.6883% | 2,238 |
| Net loans and leases to total assets | 72.2834% | 2,132 |
| Net loans and leases to deposits | 89.8598% | 1,713 |
| Net loans and leases to core deposits | 142.4815% | 163 |
| Total domestic deposits to total assets | 80.4402% | 3,878 |
| Equity capital to assets | 10.5553% | 3,500 |
| Core capital (leverage) ratio | 10.3801% | 3,223 |
| Tier 1 risk-based capital ratio | 21.3732% | 1,147 |
| Total risk-based capital ratio | 22.0031% | 1,198 |
| Memoranda: | ||
| Average total assets | $247,443,250 | 2,495 |
| Average earning assets | $236,885,000 | 2,443 |
| Average equity | $25,710,750 | 2,668 |
| Average total loans | $176,744,250 | 2,381 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 4,547 |
| Cost of funding earning assets | 1.1826% | 1,038 |
| Net interest margin | 2.7222% | 4,987 |
| Noninterest income to average assets | 0.2908% | 3,997 |
| Noninterest expense to average assets | 2.6875% | 2,949 |
| Loan and lease loss provision to assets | 0.0487% | 2,844 |
| Net operating income to assets | 0.1350% | 5,037 |
| Return on assets (ROA) | 0.3322% | 4,845 |
| Pretax return on assets | 0.3972% | 4,834 |
| Return on Equity (ROE) | 3.2143% | 4,746 |
| Retained earnings to average equity (ytd only) | 3.2143% | 3,618 |
| Net charge-offs to loans | 0.0903% | 1,459 |
| Credit loss provision to net charge-offs | 75.9494% | 2,263 |
| Earnings coverage of net charge-offs (x) | 3.2911% | 2,859 |
| Efficiency ratio | 92.7150% | 265 |
| Assets per employee ($millions) | 5.7745% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4957% | 5,025 |
| Loan loss allowance to noncurrent loans | 70.7803% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 2,522 |
| Noncurrent loans to loans | 0.7004% | 2,226 |
| Net loans and leases to total assets | 71.8622% | 2,231 |
| Net loans and leases to deposits | 90.2126% | 1,712 |
| Net loans and leases to core deposits | 140.9258% | 188 |
| Total domestic deposits to total assets | 79.6587% | 4,102 |
| Equity capital to assets | 10.5122% | 3,508 |
| Core capital (leverage) ratio | 10.6261% | 2,956 |
| Tier 1 risk-based capital ratio | 20.6585% | 1,223 |
| Total risk-based capital ratio | 21.3907% | 1,293 |
| Memoranda: | ||
| Average total assets | $246,247,670 | 2,517 |
| Average earning assets | $235,911,670 | 2,455 |
| Average equity | $25,448,670 | 2,679 |
| Average total loans | $174,929,330 | 2,407 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 4,610 |
| Cost of funding earning assets | 1.1582% | 1,022 |
| Net interest margin | 2.7063% | 5,059 |
| Noninterest income to average assets | 0.3148% | 3,756 |
| Noninterest expense to average assets | 2.7355% | 2,790 |
| Loan and lease loss provision to assets | 0.0489% | 2,678 |
| Net operating income to assets | 0.1051% | 5,087 |
| Return on assets (ROA) | 0.2626% | 4,950 |
| Pretax return on assets | 0.3034% | 4,959 |
| Return on Equity (ROE) | 2.5635% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.5635% | 3,903 |
| Net charge-offs to loans | 0.0023% | 2,673 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 648 |
| Efficiency ratio | 94.1077% | 273 |
| Assets per employee ($millions) | 5.3074% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5335% | 5,040 |
| Loan loss allowance to noncurrent loans | 167.3214% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,382 |
| Noncurrent loans to loans | 0.3188% | 3,426 |
| Net loans and leases to total assets | 71.5606% | 2,240 |
| Net loans and leases to deposits | 90.3949% | 1,581 |
| Net loans and leases to core deposits | 139.8335% | 189 |
| Total domestic deposits to total assets | 79.1644% | 4,325 |
| Equity capital to assets | 10.3727% | 3,448 |
| Core capital (leverage) ratio | 10.4580% | 3,094 |
| Tier 1 risk-based capital ratio | 20.4614% | 1,254 |
| Total risk-based capital ratio | 21.2320% | 1,318 |
| Memoranda: | ||
| Average total assets | $245,220,000 | 2,552 |
| Average earning assets | $234,855,500 | 2,490 |
| Average equity | $25,122,000 | 2,704 |
| Average total loans | $172,731,500 | 2,450 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 4,144 |
| Cost of funding earning assets | 0.9788% | 820 |
| Net interest margin | 2.9795% | 4,823 |
| Noninterest income to average assets | 0.1510% | 4,957 |
| Noninterest expense to average assets | 2.6388% | 3,215 |
| Loan and lease loss provision to assets | 0.0462% | 3,263 |
| Net operating income to assets | 0.3040% | 5,002 |
| Return on assets (ROA) | 0.2735% | 5,036 |
| Pretax return on assets | 0.2739% | 5,067 |
| Return on Equity (ROE) | 2.7764% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.7764% | 4,009 |
| Net charge-offs to loans | 0.0709% | 2,102 |
| Credit loss provision to net charge-offs | 97.4576% | 2,599 |
| Earnings coverage of net charge-offs (x) | 7.3983% | 2,999 |
| Efficiency ratio | 88.2724% | 419 |
| Assets per employee ($millions) | 5.5977% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5347% | 5,085 |
| Loan loss allowance to noncurrent loans | 181.9639% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 3,465 |
| Noncurrent loans to loans | 0.2938% | 3,510 |
| Net loans and leases to total assets | 68.5790% | 2,793 |
| Net loans and leases to deposits | 85.7738% | 2,299 |
| Net loans and leases to core deposits | 129.6884% | 329 |
| Total domestic deposits to total assets | 79.9533% | 4,116 |
| Equity capital to assets | 10.1177% | 3,553 |
| Core capital (leverage) ratio | 10.3212% | 3,229 |
| Tier 1 risk-based capital ratio | 21.7334% | 1,063 |
| Total risk-based capital ratio | 22.5255% | 1,107 |
| Memoranda: | ||
| Average total assets | $249,017,600 | 2,477 |
| Average earning assets | $237,224,800 | 2,434 |
| Average equity | $24,528,600 | 2,675 |
| Average total loans | $166,343,800 | 2,471 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 4,123 |
| Cost of funding earning assets | 0.9456% | 763 |
| Net interest margin | 2.9879% | 4,869 |
| Noninterest income to average assets | 0.2024% | 4,759 |
| Noninterest expense to average assets | 2.7088% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3317% | 5,059 |
| Return on assets (ROA) | 0.2899% | 5,097 |
| Pretax return on assets | 0.2942% | 5,142 |
| Return on Equity (ROE) | 2.9634% | 5,012 |
| Retained earnings to average equity (ytd only) | 2.9634% | 4,252 |
| Net charge-offs to loans | 0.0935% | 1,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 5.4311% | 2,959 |
| Efficiency ratio | 88.9532% | 366 |
| Assets per employee ($millions) | 5.7300% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 5,225 |
| Loan loss allowance to noncurrent loans | 115.5523% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 3,233 |
| Noncurrent loans to loans | 0.4053% | 3,199 |
| Net loans and leases to total assets | 67.0135% | 3,067 |
| Net loans and leases to deposits | 84.8153% | 2,499 |
| Net loans and leases to core deposits | 121.3394% | 534 |
| Total domestic deposits to total assets | 79.0110% | 4,316 |
| Equity capital to assets | 9.6030% | 3,992 |
| Core capital (leverage) ratio | 10.2681% | 3,334 |
| Tier 1 risk-based capital ratio | 21.3286% | 1,136 |
| Total risk-based capital ratio | 22.0160% | 1,192 |
| Memoranda: | ||
| Average total assets | $249,697,000 | 2,492 |
| Average earning assets | $237,578,000 | 2,442 |
| Average equity | $24,430,750 | 2,698 |
| Average total loans | $165,475,250 | 2,494 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,963 |
| Cost of funding earning assets | 0.9118% | 698 |
| Net interest margin | 3.0271% | 4,843 |
| Noninterest income to average assets | 0.1663% | 4,999 |
| Noninterest expense to average assets | 2.6887% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3374% | 5,067 |
| Return on assets (ROA) | 0.3504% | 5,048 |
| Pretax return on assets | 0.3672% | 5,086 |
| Return on Equity (ROE) | 3.5586% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.5586% | 3,819 |
| Net charge-offs to loans | 0.1048% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.1163% | 2,736 |
| Efficiency ratio | 88.3782% | 443 |
| Assets per employee ($millions) | 5.5682% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4919% | 5,268 |
| Loan loss allowance to noncurrent loans | 79.8645% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,080 |
| Noncurrent loans to loans | 0.6160% | 2,570 |
| Net loans and leases to total assets | 66.6005% | 3,062 |
| Net loans and leases to deposits | 86.5901% | 2,260 |
| Net loans and leases to core deposits | 125.1417% | 432 |
| Total domestic deposits to total assets | 76.9148% | 4,746 |
| Equity capital to assets | 9.6832% | 3,929 |
| Core capital (leverage) ratio | 10.3360% | 3,199 |
| Tier 1 risk-based capital ratio | 21.5594% | 1,091 |
| Total risk-based capital ratio | 22.2825% | 1,140 |
| Memoranda: | ||
| Average total assets | $248,890,000 | 2,509 |
| Average earning assets | $236,467,670 | 2,460 |
| Average equity | $24,504,000 | 2,699 |
| Average total loans | $164,051,000 | 2,515 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 4,086 |
| Cost of funding earning assets | 0.8836% | 649 |
| Net interest margin | 2.9653% | 4,925 |
| Noninterest income to average assets | 0.1709% | 4,994 |
| Noninterest expense to average assets | 2.6688% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3037% | 5,086 |
| Return on assets (ROA) | 0.3564% | 5,009 |
| Pretax return on assets | 0.3709% | 5,072 |
| Return on Equity (ROE) | 3.5899% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.5899% | 3,765 |
| Net charge-offs to loans | -0.0025% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4111% | 474 |
| Assets per employee ($millions) | 5.4986% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5578% | 5,255 |
| Loan loss allowance to noncurrent loans | 188.4298% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 4,105 |
| Noncurrent loans to loans | 0.2960% | 3,705 |
| Net loans and leases to total assets | 65.7071% | 3,083 |
| Net loans and leases to deposits | 85.8884% | 2,177 |
| Net loans and leases to core deposits | 124.7085% | 451 |
| Total domestic deposits to total assets | 76.5029% | 4,921 |
| Equity capital to assets | 9.7604% | 3,827 |
| Core capital (leverage) ratio | 10.2176% | 3,282 |
| Tier 1 risk-based capital ratio | 21.5020% | 1,120 |
| Total risk-based capital ratio | 22.3033% | 1,172 |
| Memoranda: | ||
| Average total assets | $248,051,500 | 2,534 |
| Average earning assets | $235,393,000 | 2,489 |
| Average equity | $24,624,500 | 2,712 |
| Average total loans | $162,224,500 | 2,547 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,177 |
| Cost of funding earning assets | 0.7908% | 652 |
| Net interest margin | 2.9715% | 4,945 |
| Noninterest income to average assets | 0.2961% | 4,332 |
| Noninterest expense to average assets | 2.8169% | 2,721 |
| Loan and lease loss provision to assets | -0.0613% | 5,417 |
| Net operating income to assets | 0.1772% | 5,151 |
| Return on assets (ROA) | 0.1777% | 5,163 |
| Pretax return on assets | 0.3611% | 5,138 |
| Return on Equity (ROE) | 1.7426% | 5,104 |
| Retained earnings to average equity (ytd only) | 1.7426% | 4,270 |
| Net charge-offs to loans | 0.0084% | 3,785 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,088 |
| Earnings coverage of net charge-offs (x) | 56.3077% | 995 |
| Efficiency ratio | 90.4038% | 415 |
| Assets per employee ($millions) | 5.6515% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5660% | 5,301 |
| Loan loss allowance to noncurrent loans | 120.3435% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 3,665 |
| Noncurrent loans to loans | 0.4703% | 3,097 |
| Net loans and leases to total assets | 64.3603% | 3,325 |
| Net loans and leases to deposits | 82.9722% | 2,616 |
| Net loans and leases to core deposits | 119.4478% | 605 |
| Total domestic deposits to total assets | 77.5685% | 4,783 |
| Equity capital to assets | 10.0931% | 3,602 |
| Core capital (leverage) ratio | 10.1678% | 3,228 |
| Tier 1 risk-based capital ratio | 21.5155% | 1,067 |
| Total risk-based capital ratio | 22.3236% | 1,108 |
| Memoranda: | ||
| Average total assets | $244,811,000 | 2,530 |
| Average earning assets | $232,308,200 | 2,484 |
| Average equity | $24,962,600 | 2,676 |
| Average total loans | $155,250,800 | 2,596 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,199 |
| Cost of funding earning assets | 0.7801% | 649 |
| Net interest margin | 2.9643% | 5,000 |
| Noninterest income to average assets | 0.2258% | 4,861 |
| Noninterest expense to average assets | 2.7076% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3213% | 5,179 |
| Return on assets (ROA) | 0.3663% | 5,092 |
| Pretax return on assets | 0.3778% | 5,222 |
| Return on Equity (ROE) | 3.5835% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.5835% | 3,785 |
| Net charge-offs to loans | -0.0260% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0968% | 448 |
| Assets per employee ($millions) | 5.6060% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7009% | 5,137 |
| Loan loss allowance to noncurrent loans | 336.5854% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 4,583 |
| Noncurrent loans to loans | 0.2082% | 4,243 |
| Net loans and leases to total assets | 63.4135% | 3,502 |
| Net loans and leases to deposits | 84.5662% | 2,487 |
| Net loans and leases to core deposits | 121.3767% | 542 |
| Total domestic deposits to total assets | 74.9868% | 5,126 |
| Equity capital to assets | 10.3255% | 3,571 |
| Core capital (leverage) ratio | 10.3334% | 3,163 |
| Tier 1 risk-based capital ratio | 20.8386% | 1,226 |
| Total risk-based capital ratio | 21.7730% | 1,246 |
| Memoranda: | ||
| Average total assets | $243,847,750 | 2,555 |
| Average earning assets | $231,415,000 | 2,500 |
| Average equity | $24,928,750 | 2,699 |
| Average total loans | $153,825,500 | 2,628 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,155 |
| Cost of funding earning assets | 0.7603% | 654 |
| Net interest margin | 2.9629% | 4,985 |
| Noninterest income to average assets | 0.1787% | 5,159 |
| Noninterest expense to average assets | 2.6701% | 3,198 |
| Loan and lease loss provision to assets | 0.0247% | 3,506 |
| Net operating income to assets | 0.2816% | 5,262 |
| Return on assets (ROA) | 0.3606% | 5,091 |
| Pretax return on assets | 0.3738% | 5,224 |
| Return on Equity (ROE) | 3.5396% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.5396% | 3,603 |
| Net charge-offs to loans | -0.0315% | 4,980 |
| Credit loss provision to net charge-offs | -125.0000% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4127% | 481 |
| Assets per employee ($millions) | 5.3932% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 5,140 |
| Loan loss allowance to noncurrent loans | 342.8571% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,654 |
| Noncurrent loans to loans | 0.2126% | 4,271 |
| Net loans and leases to total assets | 61.9330% | 3,639 |
| Net loans and leases to deposits | 82.3008% | 2,669 |
| Net loans and leases to core deposits | 117.7613% | 648 |
| Total domestic deposits to total assets | 75.2520% | 5,172 |
| Equity capital to assets | 10.2338% | 3,637 |
| Core capital (leverage) ratio | 10.4427% | 2,981 |
| Tier 1 risk-based capital ratio | 20.9365% | 1,199 |
| Total risk-based capital ratio | 21.9041% | 1,223 |
| Memoranda: | ||
| Average total assets | $242,909,670 | 2,568 |
| Average earning assets | $230,183,000 | 2,524 |
| Average equity | $24,748,670 | 2,720 |
| Average total loans | $152,593,670 | 2,650 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 3,944 |
| Cost of funding earning assets | 0.7417% | 685 |
| Net interest margin | 3.0057% | 4,881 |
| Noninterest income to average assets | 0.1914% | 5,128 |
| Noninterest expense to average assets | 2.6731% | 3,244 |
| Loan and lease loss provision to assets | 0.0499% | 2,809 |
| Net operating income to assets | 0.2974% | 5,200 |
| Return on assets (ROA) | 0.3346% | 5,140 |
| Pretax return on assets | 0.3462% | 5,239 |
| Return on Equity (ROE) | 3.2912% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.2912% | 3,789 |
| Net charge-offs to loans | 0.1030% | 1,346 |
| Credit loss provision to net charge-offs | 76.9231% | 1,773 |
| Earnings coverage of net charge-offs (x) | 5.5128% | 2,287 |
| Efficiency ratio | 88.1933% | 653 |
| Assets per employee ($millions) | 5.4008% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7034% | 5,299 |
| Loan loss allowance to noncurrent loans | 323.7082% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 4,708 |
| Noncurrent loans to loans | 0.2173% | 4,328 |
| Net loans and leases to total assets | 63.2634% | 3,366 |
| Net loans and leases to deposits | 83.9383% | 2,292 |
| Net loans and leases to core deposits | 119.0054% | 487 |
| Total domestic deposits to total assets | 75.3689% | 5,301 |
| Equity capital to assets | 10.3293% | 3,378 |
| Core capital (leverage) ratio | 10.5358% | 2,859 |
| Tier 1 risk-based capital ratio | 20.2753% | 1,338 |
| Total risk-based capital ratio | 21.1697% | 1,379 |
| Memoranda: | ||
| Average total assets | $240,320,000 | 2,612 |
| Average earning assets | $227,037,000 | 2,585 |
| Average equity | $24,428,500 | 2,757 |
| Average total loans | $151,502,000 | 2,682 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 4,243 |
| Cost of funding earning assets | 0.7912% | 525 |
| Net interest margin | 2.8985% | 5,141 |
| Noninterest income to average assets | 0.2073% | 5,175 |
| Noninterest expense to average assets | 2.7313% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2327% | 5,346 |
| Return on assets (ROA) | 0.3382% | 5,193 |
| Pretax return on assets | 0.3201% | 5,340 |
| Return on Equity (ROE) | 3.1475% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.1475% | 3,667 |
| Net charge-offs to loans | 0.1815% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.0081% | 3,901 |
| Efficiency ratio | 92.7161% | 432 |
| Assets per employee ($millions) | 5.6513% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 5,341 |
| Loan loss allowance to noncurrent loans | 256.3246% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 4,511 |
| Noncurrent loans to loans | 0.2764% | 4,168 |
| Net loans and leases to total assets | 61.9448% | 3,615 |
| Net loans and leases to deposits | 82.3292% | 2,628 |
| Net loans and leases to core deposits | 117.3926% | 564 |
| Total domestic deposits to total assets | 75.2404% | 5,326 |
| Equity capital to assets | 10.0043% | 3,722 |
| Core capital (leverage) ratio | 10.3971% | 2,994 |
| Tier 1 risk-based capital ratio | 20.2549% | 1,331 |
| Total risk-based capital ratio | 21.1631% | 1,359 |
| Memoranda: | ||
| Average total assets | $232,085,000 | 2,640 |
| Average earning assets | $219,288,000 | 2,610 |
| Average equity | $24,940,400 | 2,731 |
| Average total loans | $136,605,200 | 2,822 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 4,392 |
| Cost of funding earning assets | 0.8016% | 502 |
| Net interest margin | 2.8538% | 5,259 |
| Noninterest income to average assets | 0.1581% | 5,481 |
| Noninterest expense to average assets | 2.6851% | 3,386 |
| Loan and lease loss provision to assets | 0.0523% | 3,211 |
| Net operating income to assets | 0.1645% | 5,526 |
| Return on assets (ROA) | 0.2982% | 5,371 |
| Pretax return on assets | 0.2511% | 5,514 |
| Return on Equity (ROE) | 2.7253% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.7253% | 4,262 |
| Net charge-offs to loans | -0.0522% | 5,387 |
| Credit loss provision to net charge-offs | -173.0769% | 4,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0542% | 386 |
| Assets per employee ($millions) | 5.4705% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 4,338 |
| Loan loss allowance to noncurrent loans | 136.8224% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 3,532 |
| Noncurrent loans to loans | 0.7397% | 2,822 |
| Net loans and leases to total assets | 59.4867% | 3,941 |
| Net loans and leases to deposits | 79.8787% | 2,981 |
| Net loans and leases to core deposits | 115.1801% | 685 |
| Total domestic deposits to total assets | 74.4712% | 5,386 |
| Equity capital to assets | 10.5712% | 3,487 |
| Core capital (leverage) ratio | 10.5083% | 2,992 |
| Tier 1 risk-based capital ratio | 21.5339% | 1,189 |
| Total risk-based capital ratio | 22.7845% | 1,172 |
| Memoranda: | ||
| Average total assets | $229,355,000 | 2,678 |
| Average earning assets | $216,733,000 | 2,641 |
| Average equity | $25,097,750 | 2,725 |
| Average total loans | $132,855,750 | 2,889 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,368 |
| Cost of funding earning assets | 0.7724% | 561 |
| Net interest margin | 2.9045% | 5,258 |
| Noninterest income to average assets | 0.1747% | 5,447 |
| Noninterest expense to average assets | 2.7707% | 3,132 |
| Loan and lease loss provision to assets | 0.0532% | 3,084 |
| Net operating income to assets | 0.1693% | 5,580 |
| Return on assets (ROA) | 0.2598% | 5,484 |
| Pretax return on assets | 0.1818% | 5,638 |
| Return on Equity (ROE) | 2.3457% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.3457% | 4,382 |
| Net charge-offs to loans | -0.0636% | 5,457 |
| Credit loss provision to net charge-offs | -146.3415% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0426% | 380 |
| Assets per employee ($millions) | 5.2436% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 4,042 |
| Loan loss allowance to noncurrent loans | 79.3200% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8534% | 2,453 |
| Noncurrent loans to loans | 1.3628% | 1,641 |
| Net loans and leases to total assets | 56.4421% | 4,257 |
| Net loans and leases to deposits | 73.1387% | 3,691 |
| Net loans and leases to core deposits | 103.1412% | 1,388 |
| Total domestic deposits to total assets | 77.1713% | 5,138 |
| Equity capital to assets | 11.1261% | 2,919 |
| Core capital (leverage) ratio | 10.8046% | 2,645 |
| Tier 1 risk-based capital ratio | 22.6602% | 1,056 |
| Total risk-based capital ratio | 23.9112% | 1,039 |
| Memoranda: | ||
| Average total assets | $225,573,000 | 2,729 |
| Average earning assets | $212,845,330 | 2,684 |
| Average equity | $24,982,000 | 2,743 |
| Average total loans | $128,924,670 | 2,950 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,104 |
| Cost of funding earning assets | 0.7442% | 652 |
| Net interest margin | 3.0148% | 5,083 |
| Noninterest income to average assets | 0.1776% | 5,432 |
| Noninterest expense to average assets | 2.8233% | 2,980 |
| Loan and lease loss provision to assets | 0.0538% | 2,860 |
| Net operating income to assets | 0.2117% | 5,507 |
| Return on assets (ROA) | 0.3247% | 5,310 |
| Pretax return on assets | 0.2691% | 5,554 |
| Return on Equity (ROE) | 2.9386% | 5,265 |
| Retained earnings to average equity (ytd only) | 2.9386% | 4,047 |
| Net charge-offs to loans | -0.1254% | 5,719 |
| Credit loss provision to net charge-offs | -75.0000% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0810% | 496 |
| Assets per employee ($millions) | 5.0108% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 4,173 |
| Loan loss allowance to noncurrent loans | 82.9065% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 2,636 |
| Noncurrent loans to loans | 1.3021% | 1,849 |
| Net loans and leases to total assets | 56.5683% | 4,192 |
| Net loans and leases to deposits | 76.8679% | 3,124 |
| Net loans and leases to core deposits | 107.9357% | 974 |
| Total domestic deposits to total assets | 73.5916% | 5,651 |
| Equity capital to assets | 11.0375% | 2,898 |
| Core capital (leverage) ratio | 11.0726% | 2,341 |
| Tier 1 risk-based capital ratio | 22.7290% | 1,051 |
| Total risk-based capital ratio | 23.9802% | 1,024 |
| Memoranda: | ||
| Average total assets | $223,000,500 | 2,754 |
| Average earning assets | $211,227,000 | 2,706 |
| Average equity | $24,638,000 | 2,778 |
| Average total loans | $127,564,500 | 2,972 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,549 |
| Cost of funding earning assets | 0.7491% | 644 |
| Net interest margin | 3.1947% | 4,644 |
| Noninterest income to average assets | 0.1753% | 5,535 |
| Noninterest expense to average assets | 2.9965% | 2,559 |
| Loan and lease loss provision to assets | 0.0567% | 3,175 |
| Net operating income to assets | 0.1131% | 5,739 |
| Return on assets (ROA) | 0.7495% | 3,670 |
| Pretax return on assets | 0.8605% | 3,988 |
| Return on Equity (ROE) | 6.6028% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.6028% | 1,489 |
| Net charge-offs to loans | 0.1961% | 1,490 |
| Credit loss provision to net charge-offs | 50.4202% | 3,397 |
| Earnings coverage of net charge-offs (x) | 1.6513% | 4,052 |
| Efficiency ratio | 94.1639% | 476 |
| Assets per employee ($millions) | 5.0117% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 4,336 |
| Loan loss allowance to noncurrent loans | 79.3517% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 2,580 |
| Noncurrent loans to loans | 1.3203% | 1,785 |
| Net loans and leases to total assets | 56.6226% | 4,242 |
| Net loans and leases to deposits | 75.0161% | 3,382 |
| Net loans and leases to core deposits | 101.0709% | 1,438 |
| Total domestic deposits to total assets | 75.4807% | 5,496 |
| Equity capital to assets | 11.0595% | 2,764 |
| Core capital (leverage) ratio | 11.0903% | 2,317 |
| Tier 1 risk-based capital ratio | 22.9605% | 1,014 |
| Total risk-based capital ratio | 24.2107% | 1,004 |
| Memoranda: | ||
| Average total assets | $211,613,000 | 2,826 |
| Average earning assets | $199,173,200 | 2,789 |
| Average equity | $24,020,000 | 2,782 |
| Average total loans | $121,354,800 | 3,028 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,593 |
| Cost of funding earning assets | 0.7460% | 662 |
| Net interest margin | 3.1920% | 4,696 |
| Noninterest income to average assets | 0.2146% | 5,369 |
| Noninterest expense to average assets | 3.0679% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1210% | 5,820 |
| Return on assets (ROA) | 0.9437% | 2,846 |
| Pretax return on assets | 1.1621% | 2,961 |
| Return on Equity (ROE) | 8.2579% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.2579% | 1,138 |
| Net charge-offs to loans | 0.0866% | 2,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.9487% | 3,575 |
| Efficiency ratio | 95.4437% | 431 |
| Assets per employee ($millions) | 4.7699% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 4,209 |
| Loan loss allowance to noncurrent loans | 105.7453% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 3,525 |
| Noncurrent loans to loans | 1.0433% | 2,391 |
| Net loans and leases to total assets | 55.6429% | 4,397 |
| Net loans and leases to deposits | 75.6744% | 3,341 |
| Net loans and leases to core deposits | 102.8187% | 1,318 |
| Total domestic deposits to total assets | 73.5294% | 5,749 |
| Equity capital to assets | 11.0538% | 2,959 |
| Core capital (leverage) ratio | 11.4962% | 2,043 |
| Tier 1 risk-based capital ratio | 24.2378% | 925 |
| Total risk-based capital ratio | 25.4890% | 910 |
| Memoranda: | ||
| Average total assets | $209,387,250 | 2,879 |
| Average earning assets | $196,778,250 | 2,835 |
| Average equity | $23,928,000 | 2,810 |
| Average total loans | $120,147,500 | 3,072 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9657% | 3,422 |
| Cost of funding earning assets | 0.7414% | 683 |
| Net interest margin | 3.2244% | 4,585 |
| Noninterest income to average assets | 0.2009% | 5,476 |
| Noninterest expense to average assets | 3.2178% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0151% | 5,977 |
| Return on assets (ROA) | 1.2357% | 1,574 |
| Pretax return on assets | 1.6035% | 1,317 |
| Return on Equity (ROE) | 10.6888% | 1,782 |
| Retained earnings to average equity (ytd only) | 10.6888% | 548 |
| Net charge-offs to loans | 0.1243% | 1,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.2568% | 3,683 |
| Efficiency ratio | 99.4301% | 336 |
| Assets per employee ($millions) | 4.7234% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 4,189 |
| Loan loss allowance to noncurrent loans | 115.1771% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 3,751 |
| Noncurrent loans to loans | 0.9799% | 2,686 |
| Net loans and leases to total assets | 56.2984% | 4,309 |
| Net loans and leases to deposits | 74.6088% | 3,422 |
| Net loans and leases to core deposits | 101.5797% | 1,358 |
| Total domestic deposits to total assets | 75.4581% | 5,657 |
| Equity capital to assets | 11.1562% | 2,712 |
| Core capital (leverage) ratio | 11.3938% | 2,077 |
| Tier 1 risk-based capital ratio | 23.6699% | 991 |
| Total risk-based capital ratio | 24.9218% | 973 |
| Memoranda: | ||
| Average total assets | $206,044,000 | 2,937 |
| Average earning assets | $193,961,000 | 2,886 |
| Average equity | $23,819,330 | 2,828 |
| Average total loans | $119,046,000 | 3,100 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 3,173 |
| Cost of funding earning assets | 0.7304% | 731 |
| Net interest margin | 3.2867% | 4,275 |
| Noninterest income to average assets | 0.2051% | 5,487 |
| Noninterest expense to average assets | 3.5012% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1532% | 6,127 |
| Return on assets (ROA) | 2.1106% | 294 |
| Pretax return on assets | 2.9371% | 138 |
| Return on Equity (ROE) | 17.9286% | 390 |
| Retained earnings to average equity (ytd only) | 17.9286% | 148 |
| Net charge-offs to loans | 0.1423% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -2.5000% | 3,213 |
| Efficiency ratio | 106.2874% | 236 |
| Assets per employee ($millions) | 4.5447% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 4,107 |
| Loan loss allowance to noncurrent loans | 169.5388% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 4,412 |
| Noncurrent loans to loans | 0.6942% | 3,540 |
| Net loans and leases to total assets | 57.3592% | 4,043 |
| Net loans and leases to deposits | 76.4344% | 3,001 |
| Net loans and leases to core deposits | 104.9107% | 1,005 |
| Total domestic deposits to total assets | 75.0436% | 5,826 |
| Equity capital to assets | 11.8183% | 2,175 |
| Core capital (leverage) ratio | 11.5959% | 1,934 |
| Tier 1 risk-based capital ratio | 23.8036% | 1,015 |
| Total risk-based capital ratio | 25.0531% | 1,000 |
| Memoranda: | ||
| Average total assets | $202,788,500 | 2,979 |
| Average earning assets | $190,586,500 | 2,940 |
| Average equity | $23,872,500 | 2,842 |
| Average total loans | $118,053,500 | 3,123 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 2,703 |
| Cost of funding earning assets | 0.7389% | 904 |
| Net interest margin | 3.5316% | 3,679 |
| Noninterest income to average assets | 0.3519% | 4,590 |
| Noninterest expense to average assets | 3.1673% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5128% | 4,762 |
| Return on assets (ROA) | 0.6152% | 4,400 |
| Pretax return on assets | 0.6122% | 4,901 |
| Return on Equity (ROE) | 5.4329% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.4329% | 2,308 |
| Net charge-offs to loans | 0.3184% | 1,389 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.8592% | 4,043 |
| Efficiency ratio | 86.1382% | 1,153 |
| Assets per employee ($millions) | 4.5696% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 3,853 |
| Loan loss allowance to noncurrent loans | 190.8488% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 4,572 |
| Noncurrent loans to loans | 0.6422% | 3,762 |
| Net loans and leases to total assets | 57.6752% | 4,093 |
| Net loans and leases to deposits | 77.1596% | 3,065 |
| Net loans and leases to core deposits | 106.1796% | 1,009 |
| Total domestic deposits to total assets | 74.7478% | 5,880 |
| Equity capital to assets | 11.7251% | 2,231 |
| Core capital (leverage) ratio | 11.3665% | 2,077 |
| Tier 1 risk-based capital ratio | 23.2022% | 1,055 |
| Total risk-based capital ratio | 24.4552% | 1,031 |
| Memoranda: | ||
| Average total assets | $195,211,200 | 3,053 |
| Average earning assets | $183,799,000 | 2,991 |
| Average equity | $22,106,200 | 2,937 |
| Average total loans | $109,296,400 | 3,237 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 2,550 |
| Cost of funding earning assets | 0.7167% | 1,067 |
| Net interest margin | 3.6010% | 3,423 |
| Noninterest income to average assets | 0.2484% | 5,434 |
| Noninterest expense to average assets | 3.1105% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5174% | 4,815 |
| Return on assets (ROA) | 0.6469% | 4,324 |
| Pretax return on assets | 0.6620% | 4,831 |
| Return on Equity (ROE) | 5.7652% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.7652% | 2,560 |
| Net charge-offs to loans | 0.4338% | 913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.2063% | 3,966 |
| Efficiency ratio | 85.4442% | 1,235 |
| Assets per employee ($millions) | 4.4804% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 3,654 |
| Loan loss allowance to noncurrent loans | 227.1722% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 4,987 |
| Noncurrent loans to loans | 0.5716% | 4,205 |
| Net loans and leases to total assets | 55.4487% | 4,405 |
| Net loans and leases to deposits | 76.1827% | 3,166 |
| Net loans and leases to core deposits | 101.3021% | 1,262 |
| Total domestic deposits to total assets | 72.7839% | 6,107 |
| Equity capital to assets | 11.6523% | 2,362 |
| Core capital (leverage) ratio | 11.3701% | 2,162 |
| Tier 1 risk-based capital ratio | 23.3001% | 1,078 |
| Total risk-based capital ratio | 24.5108% | 1,070 |
| Memoranda: | ||
| Average total assets | $193,748,000 | 3,082 |
| Average earning assets | $182,501,250 | 3,027 |
| Average equity | $21,739,000 | 2,978 |
| Average total loans | $107,269,750 | 3,299 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,483 |
| Cost of funding earning assets | 0.7194% | 1,088 |
| Net interest margin | 3.6093% | 3,327 |
| Noninterest income to average assets | 0.2149% | 5,662 |
| Noninterest expense to average assets | 3.1482% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4511% | 5,012 |
| Return on assets (ROA) | 0.6863% | 4,009 |
| Pretax return on assets | 0.7133% | 4,597 |
| Return on Equity (ROE) | 6.1983% | 4,050 |
| Retained earnings to average equity (ytd only) | 6.1983% | 2,215 |
| Net charge-offs to loans | 0.5070% | 803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.6766% | 3,744 |
| Efficiency ratio | 87.0514% | 1,180 |
| Assets per employee ($millions) | 4.4198% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 3,258 |
| Loan loss allowance to noncurrent loans | 179.4326% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 4,709 |
| Noncurrent loans to loans | 0.7901% | 3,721 |
| Net loans and leases to total assets | 54.2827% | 4,504 |
| Net loans and leases to deposits | 73.7558% | 3,350 |
| Net loans and leases to core deposits | 95.3130% | 1,659 |
| Total domestic deposits to total assets | 73.5978% | 6,143 |
| Equity capital to assets | 11.4455% | 2,470 |
| Core capital (leverage) ratio | 11.4309% | 2,066 |
| Tier 1 risk-based capital ratio | 23.4985% | 1,046 |
| Total risk-based capital ratio | 24.7504% | 1,031 |
| Memoranda: | ||
| Average total assets | $192,618,330 | 3,115 |
| Average earning assets | $181,530,330 | 3,059 |
| Average equity | $21,328,330 | 3,017 |
| Average total loans | $106,110,330 | 3,333 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 2,333 |
| Cost of funding earning assets | 0.7327% | 1,057 |
| Net interest margin | 3.6170% | 3,187 |
| Noninterest income to average assets | 0.2149% | 5,639 |
| Noninterest expense to average assets | 3.1697% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4178% | 5,049 |
| Return on assets (ROA) | 0.7595% | 3,446 |
| Pretax return on assets | 0.8263% | 3,997 |
| Return on Equity (ROE) | 6.9787% | 3,484 |
| Retained earnings to average equity (ytd only) | 6.9787% | 2,056 |
| Net charge-offs to loans | 0.7915% | 439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.0431% | 3,200 |
| Efficiency ratio | 87.4496% | 1,289 |
| Assets per employee ($millions) | 4.3598% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 3,264 |
| Loan loss allowance to noncurrent loans | 176.5101% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 4,741 |
| Noncurrent loans to loans | 0.8358% | 3,797 |
| Net loans and leases to total assets | 54.9366% | 4,289 |
| Net loans and leases to deposits | 74.3532% | 3,023 |
| Net loans and leases to core deposits | 83.1074% | 2,634 |
| Total domestic deposits to total assets | 73.8860% | 6,250 |
| Equity capital to assets | 11.1389% | 2,584 |
| Core capital (leverage) ratio | 11.3154% | 2,122 |
| Tier 1 risk-based capital ratio | 23.1963% | 1,113 |
| Total risk-based capital ratio | 24.4515% | 1,098 |
| Memoranda: | ||
| Average total assets | $191,693,000 | 3,143 |
| Average earning assets | $180,700,500 | 3,088 |
| Average equity | $20,863,500 | 3,073 |
| Average total loans | $105,625,000 | 3,352 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 3,255 |
| Cost of funding earning assets | 0.8410% | 989 |
| Net interest margin | 3.3825% | 4,353 |
| Noninterest income to average assets | 0.4534% | 4,065 |
| Noninterest expense to average assets | 3.1778% | 2,486 |
| Loan and lease loss provision to assets | 0.0448% | 4,227 |
| Net operating income to assets | 0.5014% | 4,729 |
| Return on assets (ROA) | 0.5563% | 4,602 |
| Pretax return on assets | 0.4962% | 5,215 |
| Return on Equity (ROE) | 5.0753% | 4,588 |
| Retained earnings to average equity (ytd only) | 5.0753% | 2,541 |
| Net charge-offs to loans | 0.2457% | 2,507 |
| Credit loss provision to net charge-offs | 33.2031% | 4,180 |
| Earnings coverage of net charge-offs (x) | 3.6016% | 3,811 |
| Efficiency ratio | 86.7319% | 1,345 |
| Assets per employee ($millions) | 4.3535% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 2,360 |
| Loan loss allowance to noncurrent loans | 211.2293% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 4,925 |
| Noncurrent loans to loans | 0.8112% | 3,944 |
| Net loans and leases to total assets | 53.5092% | 4,652 |
| Net loans and leases to deposits | 72.2134% | 3,495 |
| Net loans and leases to core deposits | 93.5902% | 1,629 |
| Total domestic deposits to total assets | 74.0987% | 6,275 |
| Equity capital to assets | 10.6283% | 3,004 |
| Core capital (leverage) ratio | 11.0674% | 2,326 |
| Tier 1 risk-based capital ratio | 22.5453% | 1,170 |
| Total risk-based capital ratio | 23.7884% | 1,147 |
| Memoranda: | ||
| Average total assets | $189,659,000 | 3,163 |
| Average earning assets | $180,017,000 | 3,072 |
| Average equity | $20,786,800 | 3,073 |
| Average total loans | $104,199,600 | 3,361 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 3,335 |
| Cost of funding earning assets | 0.8644% | 976 |
| Net interest margin | 3.3495% | 4,468 |
| Noninterest income to average assets | 0.4821% | 3,925 |
| Noninterest expense to average assets | 3.1383% | 2,537 |
| Loan and lease loss provision to assets | 0.1480% | 2,427 |
| Net operating income to assets | 0.3940% | 5,267 |
| Return on assets (ROA) | 0.5998% | 4,470 |
| Pretax return on assets | 0.5857% | 5,073 |
| Return on Equity (ROE) | 5.4305% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.4305% | 2,776 |
| Net charge-offs to loans | 0.2585% | 2,263 |
| Credit loss provision to net charge-offs | 103.9604% | 2,251 |
| Earnings coverage of net charge-offs (x) | 3.7079% | 3,626 |
| Efficiency ratio | 85.6017% | 1,401 |
| Assets per employee ($millions) | 4.3425% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 1,980 |
| Loan loss allowance to noncurrent loans | 193.5039% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 4,759 |
| Noncurrent loans to loans | 0.9864% | 3,839 |
| Net loans and leases to total assets | 52.8798% | 4,768 |
| Net loans and leases to deposits | 70.6523% | 3,693 |
| Net loans and leases to core deposits | 91.4205% | 1,830 |
| Total domestic deposits to total assets | 74.8452% | 6,294 |
| Equity capital to assets | 10.4920% | 3,285 |
| Core capital (leverage) ratio | 10.9926% | 2,486 |
| Tier 1 risk-based capital ratio | 22.7133% | 1,197 |
| Total risk-based capital ratio | 23.9725% | 1,175 |
| Memoranda: | ||
| Average total assets | $189,185,250 | 3,199 |
| Average earning assets | $179,842,500 | 3,102 |
| Average equity | $20,893,750 | 3,083 |
| Average total loans | $104,178,000 | 3,384 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 3,412 |
| Cost of funding earning assets | 0.8816% | 978 |
| Net interest margin | 3.3090% | 4,542 |
| Noninterest income to average assets | 0.4232% | 4,355 |
| Noninterest expense to average assets | 3.0325% | 2,901 |
| Loan and lease loss provision to assets | 0.1909% | 1,980 |
| Net operating income to assets | 0.3369% | 5,459 |
| Return on assets (ROA) | 0.6311% | 4,302 |
| Pretax return on assets | 0.6523% | 4,836 |
| Return on Equity (ROE) | 5.6196% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.6196% | 2,663 |
| Net charge-offs to loans | 0.2066% | 2,522 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 4.7130% | 3,057 |
| Efficiency ratio | 84.8872% | 1,544 |
| Assets per employee ($millions) | 4.3323% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 1,907 |
| Loan loss allowance to noncurrent loans | 118.0233% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 3,834 |
| Noncurrent loans to loans | 1.6738% | 2,802 |
| Net loans and leases to total assets | 52.8434% | 4,761 |
| Net loans and leases to deposits | 72.1494% | 3,426 |
| Net loans and leases to core deposits | 91.9640% | 1,714 |
| Total domestic deposits to total assets | 73.2415% | 6,495 |
| Equity capital to assets | 10.7150% | 3,037 |
| Core capital (leverage) ratio | 10.9659% | 2,392 |
| Tier 1 risk-based capital ratio | 22.8865% | 1,154 |
| Total risk-based capital ratio | 24.1489% | 1,140 |
| Memoranda: | ||
| Average total assets | $188,557,330 | 3,218 |
| Average earning assets | $179,448,330 | 3,121 |
| Average equity | $21,176,000 | 3,078 |
| Average total loans | $104,569,670 | 3,391 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 3,367 |
| Cost of funding earning assets | 0.8940% | 1,015 |
| Net interest margin | 3.2892% | 4,555 |
| Noninterest income to average assets | 0.5375% | 3,518 |
| Noninterest expense to average assets | 3.0737% | 2,757 |
| Loan and lease loss provision to assets | 0.1920% | 1,923 |
| Net operating income to assets | 0.3409% | 5,396 |
| Return on assets (ROA) | 0.8767% | 2,915 |
| Pretax return on assets | 1.0409% | 3,182 |
| Return on Equity (ROE) | 7.6282% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.6282% | 1,885 |
| Net charge-offs to loans | 0.0948% | 2,904 |
| Credit loss provision to net charge-offs | 360.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 11.1600% | 1,678 |
| Efficiency ratio | 83.7791% | 1,800 |
| Assets per employee ($millions) | 4.2563% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9381% | 2,203 |
| Loan loss allowance to noncurrent loans | 167.1901% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 4,455 |
| Noncurrent loans to loans | 1.1592% | 3,841 |
| Net loans and leases to total assets | 54.6546% | 4,304 |
| Net loans and leases to deposits | 74.0887% | 2,910 |
| Net loans and leases to core deposits | 94.7030% | 1,294 |
| Total domestic deposits to total assets | 73.7692% | 6,546 |
| Equity capital to assets | 11.5151% | 2,398 |
| Core capital (leverage) ratio | 11.0438% | 2,225 |
| Tier 1 risk-based capital ratio | 22.9249% | 1,170 |
| Total risk-based capital ratio | 24.1884% | 1,147 |
| Memoranda: | ||
| Average total assets | $187,526,000 | 3,259 |
| Average earning assets | $178,524,000 | 3,167 |
| Average equity | $21,551,500 | 3,077 |
| Average total loans | $105,474,500 | 3,391 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 2,796 |
| Cost of funding earning assets | 1.1503% | 732 |
| Net interest margin | 3.4995% | 4,505 |
| Noninterest income to average assets | 0.5635% | 3,490 |
| Noninterest expense to average assets | 3.0498% | 3,094 |
| Loan and lease loss provision to assets | 0.1917% | 3,238 |
| Net operating income to assets | 0.5809% | 4,330 |
| Return on assets (ROA) | 0.6700% | 4,153 |
| Pretax return on assets | 0.7569% | 4,452 |
| Return on Equity (ROE) | 6.1183% | 4,103 |
| Retained earnings to average equity (ytd only) | 6.1183% | 2,006 |
| Net charge-offs to loans | 0.4655% | 2,375 |
| Credit loss provision to net charge-offs | 68.3112% | 4,215 |
| Earnings coverage of net charge-offs (x) | 3.0228% | 3,918 |
| Efficiency ratio | 78.2347% | 2,408 |
| Assets per employee ($millions) | 4.4709% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 2,473 |
| Loan loss allowance to noncurrent loans | 182.4790% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7035% | 4,726 |
| Noncurrent loans to loans | 1.0068% | 4,181 |
| Net loans and leases to total assets | 55.7116% | 4,343 |
| Net loans and leases to deposits | 75.4555% | 2,887 |
| Net loans and leases to core deposits | 94.3914% | 1,432 |
| Total domestic deposits to total assets | 73.8337% | 6,545 |
| Equity capital to assets | 11.4700% | 2,476 |
| Core capital (leverage) ratio | 10.8321% | 2,404 |
| Tier 1 risk-based capital ratio | 22.2814% | 1,219 |
| Total risk-based capital ratio | 23.5423% | 1,190 |
| Memoranda: | ||
| Average total assets | $187,747,400 | 3,200 |
| Average earning assets | $178,912,600 | 3,108 |
| Average equity | $20,561,400 | 3,137 |
| Average total loans | $113,215,000 | 3,223 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 3,036 |
| Cost of funding earning assets | 1.1966% | 703 |
| Net interest margin | 3.4496% | 4,845 |
| Noninterest income to average assets | 0.4474% | 4,314 |
| Noninterest expense to average assets | 2.9181% | 3,522 |
| Loan and lease loss provision to assets | 0.1704% | 3,422 |
| Net operating income to assets | 0.5660% | 4,540 |
| Return on assets (ROA) | 0.6704% | 4,310 |
| Pretax return on assets | 0.7670% | 4,605 |
| Return on Equity (ROE) | 6.1949% | 4,235 |
| Retained earnings to average equity (ytd only) | 6.1949% | 2,569 |
| Net charge-offs to loans | 0.5269% | 2,036 |
| Credit loss provision to net charge-offs | 52.8634% | 4,329 |
| Earnings coverage of net charge-offs (x) | 2.5352% | 4,028 |
| Efficiency ratio | 78.1179% | 2,387 |
| Assets per employee ($millions) | 4.3286% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 3,052 |
| Loan loss allowance to noncurrent loans | 101.7572% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 4,192 |
| Noncurrent loans to loans | 1.6960% | 3,246 |
| Net loans and leases to total assets | 58.4645% | 4,051 |
| Net loans and leases to deposits | 80.2389% | 2,354 |
| Net loans and leases to core deposits | 100.6502% | 1,076 |
| Total domestic deposits to total assets | 72.8631% | 6,685 |
| Equity capital to assets | 11.2959% | 2,940 |
| Core capital (leverage) ratio | 10.5434% | 2,865 |
| Tier 1 risk-based capital ratio | 21.6669% | 1,387 |
| Total risk-based capital ratio | 22.9301% | 1,363 |
| Memoranda: | ||
| Average total assets | $187,740,250 | 3,236 |
| Average earning assets | $178,951,500 | 3,143 |
| Average equity | $20,317,250 | 3,199 |
| Average total loans | $114,876,000 | 3,220 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 2,799 |
| Cost of funding earning assets | 1.2155% | 767 |
| Net interest margin | 3.5149% | 4,606 |
| Noninterest income to average assets | 0.4132% | 4,555 |
| Noninterest expense to average assets | 2.9393% | 3,479 |
| Loan and lease loss provision to assets | 0.1912% | 3,184 |
| Net operating income to assets | 0.5429% | 4,612 |
| Return on assets (ROA) | 0.6575% | 4,334 |
| Pretax return on assets | 0.7595% | 4,610 |
| Return on Equity (ROE) | 6.1649% | 4,234 |
| Retained earnings to average equity (ytd only) | 6.1649% | 2,594 |
| Net charge-offs to loans | 0.5866% | 1,851 |
| Credit loss provision to net charge-offs | 52.7859% | 3,981 |
| Earnings coverage of net charge-offs (x) | 2.2610% | 3,864 |
| Efficiency ratio | 78.2080% | 2,429 |
| Assets per employee ($millions) | 4.2047% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 3,114 |
| Loan loss allowance to noncurrent loans | 152.9595% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 4,993 |
| Noncurrent loans to loans | 1.1299% | 4,268 |
| Net loans and leases to total assets | 59.0181% | 3,991 |
| Net loans and leases to deposits | 80.5764% | 2,303 |
| Net loans and leases to core deposits | 100.2982% | 1,080 |
| Total domestic deposits to total assets | 73.2450% | 6,729 |
| Equity capital to assets | 10.9406% | 3,178 |
| Core capital (leverage) ratio | 10.4123% | 2,907 |
| Tier 1 risk-based capital ratio | 20.0433% | 1,695 |
| Total risk-based capital ratio | 21.2801% | 1,664 |
| Memoranda: | ||
| Average total assets | $188,277,000 | 3,238 |
| Average earning assets | $179,179,670 | 3,145 |
| Average equity | $20,081,330 | 3,210 |
| Average total loans | $116,257,670 | 3,210 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 2,550 |
| Cost of funding earning assets | 1.3356% | 545 |
| Net interest margin | 3.4869% | 4,768 |
| Noninterest income to average assets | 0.3173% | 5,337 |
| Noninterest expense to average assets | 2.8880% | 3,672 |
| Loan and lease loss provision to assets | 0.1917% | 3,033 |
| Net operating income to assets | 0.4640% | 4,983 |
| Return on assets (ROA) | 0.6858% | 4,168 |
| Pretax return on assets | 0.8157% | 4,357 |
| Return on Equity (ROE) | 6.5144% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.5144% | 2,680 |
| Net charge-offs to loans | 0.0136% | 4,508 |
| Credit loss provision to net charge-offs | 2,250.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 87.2500% | 389 |
| Efficiency ratio | 79.5308% | 2,263 |
| Assets per employee ($millions) | 4.0675% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 2,722 |
| Loan loss allowance to noncurrent loans | 145.9406% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 4,922 |
| Noncurrent loans to loans | 1.2926% | 4,180 |
| Net loans and leases to total assets | 61.4613% | 3,364 |
| Net loans and leases to deposits | 83.4223% | 1,737 |
| Net loans and leases to core deposits | 103.8808% | 774 |
| Total domestic deposits to total assets | 73.6749% | 6,775 |
| Equity capital to assets | 10.7101% | 3,255 |
| Core capital (leverage) ratio | 10.2746% | 3,027 |
| Tier 1 risk-based capital ratio | 20.5104% | 1,587 |
| Total risk-based capital ratio | 21.7610% | 1,561 |
| Memoranda: | ||
| Average total assets | $187,809,000 | 3,262 |
| Average earning assets | $178,498,500 | 3,166 |
| Average equity | $19,771,500 | 3,253 |
| Average total loans | $117,569,500 | 3,202 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 3,103 |
| Cost of funding earning assets | 1.4129% | 984 |
| Net interest margin | 3.5381% | 4,989 |
| Noninterest income to average assets | 0.2379% | 5,835 |
| Noninterest expense to average assets | 2.9330% | 3,829 |
| Loan and lease loss provision to assets | 0.2182% | 4,011 |
| Net operating income to assets | 0.4207% | 4,770 |
| Return on assets (ROA) | 0.5353% | 4,481 |
| Pretax return on assets | 0.5986% | 4,699 |
| Return on Equity (ROE) | 5.4116% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.4116% | 2,363 |
| Net charge-offs to loans | 0.4301% | 3,283 |
| Credit loss provision to net charge-offs | 79.7665% | 4,464 |
| Earnings coverage of net charge-offs (x) | 2.5156% | 3,957 |
| Efficiency ratio | 80.9993% | 2,159 |
| Assets per employee ($millions) | 4.2844% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 2,864 |
| Loan loss allowance to noncurrent loans | 97.4771% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1967% | 4,241 |
| Noncurrent loans to loans | 1.8485% | 3,412 |
| Net loans and leases to total assets | 61.4312% | 3,705 |
| Net loans and leases to deposits | 83.3120% | 2,023 |
| Net loans and leases to core deposits | 102.7915% | 978 |
| Total domestic deposits to total assets | 73.7363% | 6,745 |
| Equity capital to assets | 10.3461% | 3,713 |
| Core capital (leverage) ratio | 10.0581% | 3,271 |
| Tier 1 risk-based capital ratio | 20.2348% | 1,587 |
| Total risk-based capital ratio | 21.4973% | 1,559 |
| Memoranda: | ||
| Average total assets | $187,929,400 | 3,214 |
| Average earning assets | $179,703,400 | 3,092 |
| Average equity | $18,589,600 | 3,344 |
| Average total loans | $119,514,200 | 3,178 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 3,218 |
| Cost of funding earning assets | 1.3886% | 1,277 |
| Net interest margin | 3.5859% | 4,827 |
| Noninterest income to average assets | 0.2833% | 5,577 |
| Noninterest expense to average assets | 2.9920% | 3,582 |
| Loan and lease loss provision to assets | 0.1917% | 4,107 |
| Net operating income to assets | 0.4556% | 4,744 |
| Return on assets (ROA) | 0.6000% | 4,268 |
| Pretax return on assets | 0.7129% | 4,425 |
| Return on Equity (ROE) | 6.1360% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.1360% | 2,470 |
| Net charge-offs to loans | 0.5582% | 2,564 |
| Credit loss provision to net charge-offs | 53.7849% | 4,952 |
| Earnings coverage of net charge-offs (x) | 2.0558% | 4,117 |
| Efficiency ratio | 80.3279% | 2,209 |
| Assets per employee ($millions) | 4.2565% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 3,382 |
| Loan loss allowance to noncurrent loans | 115.0346% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 4,897 |
| Noncurrent loans to loans | 1.4514% | 4,121 |
| Net loans and leases to total assets | 62.7974% | 3,546 |
| Net loans and leases to deposits | 83.3460% | 2,120 |
| Net loans and leases to core deposits | 105.7253% | 886 |
| Total domestic deposits to total assets | 75.3455% | 6,600 |
| Equity capital to assets | 10.3739% | 3,862 |
| Core capital (leverage) ratio | 9.9275% | 3,536 |
| Tier 1 risk-based capital ratio | 19.9590% | 1,696 |
| Total risk-based capital ratio | 21.2204% | 1,665 |
| Memoranda: | ||
| Average total assets | $187,783,000 | 3,234 |
| Average earning assets | $180,222,250 | 3,108 |
| Average equity | $18,361,000 | 3,383 |
| Average total loans | $119,909,750 | 3,199 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 3,345 |
| Cost of funding earning assets | 1.3986% | 1,426 |
| Net interest margin | 3.5630% | 4,867 |
| Noninterest income to average assets | 0.2650% | 5,755 |
| Noninterest expense to average assets | 2.9263% | 3,918 |
| Loan and lease loss provision to assets | 0.2235% | 3,683 |
| Net operating income to assets | 0.4387% | 4,775 |
| Return on assets (ROA) | 0.6193% | 4,091 |
| Pretax return on assets | 0.7566% | 4,188 |
| Return on Equity (ROE) | 6.4649% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.4649% | 2,161 |
| Net charge-offs to loans | 0.3300% | 3,240 |
| Credit loss provision to net charge-offs | 106.0606% | 2,907 |
| Earnings coverage of net charge-offs (x) | 3.6061% | 3,111 |
| Efficiency ratio | 79.3880% | 2,487 |
| Assets per employee ($millions) | 4.0731% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 2,779 |
| Loan loss allowance to noncurrent loans | 144.6740% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 5,229 |
| Noncurrent loans to loans | 1.2895% | 4,509 |
| Net loans and leases to total assets | 62.9197% | 3,694 |
| Net loans and leases to deposits | 84.2200% | 2,074 |
| Net loans and leases to core deposits | 107.3339% | 845 |
| Total domestic deposits to total assets | 74.7087% | 6,764 |
| Equity capital to assets | 9.8745% | 4,306 |
| Core capital (leverage) ratio | 9.7768% | 3,553 |
| Tier 1 risk-based capital ratio | 19.5172% | 1,711 |
| Total risk-based capital ratio | 20.7812% | 1,681 |
| Memoranda: | ||
| Average total assets | $187,948,000 | 3,257 |
| Average earning assets | $180,465,670 | 3,128 |
| Average equity | $18,005,000 | 3,414 |
| Average total loans | $120,010,000 | 3,231 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 3,310 |
| Cost of funding earning assets | 1.4161% | 1,529 |
| Net interest margin | 3.5380% | 4,859 |
| Noninterest income to average assets | 0.2677% | 5,755 |
| Noninterest expense to average assets | 2.7305% | 4,718 |
| Loan and lease loss provision to assets | 0.3187% | 2,637 |
| Net operating income to assets | 0.5275% | 4,368 |
| Return on assets (ROA) | 0.5440% | 4,379 |
| Pretax return on assets | 0.6354% | 4,554 |
| Return on Equity (ROE) | 5.7667% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.7667% | 2,771 |
| Net charge-offs to loans | 0.5736% | 2,054 |
| Credit loss provision to net charge-offs | 87.2093% | 2,988 |
| Earnings coverage of net charge-offs (x) | 2.5581% | 3,059 |
| Efficiency ratio | 74.4928% | 3,427 |
| Assets per employee ($millions) | 4.3514% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 2,894 |
| Loan loss allowance to noncurrent loans | 162.7581% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 5,480 |
| Noncurrent loans to loans | 1.1294% | 4,816 |
| Net loans and leases to total assets | 62.9900% | 3,664 |
| Net loans and leases to deposits | 82.6253% | 2,251 |
| Net loans and leases to core deposits | 105.2237% | 982 |
| Total domestic deposits to total assets | 76.2358% | 6,633 |
| Equity capital to assets | 9.5169% | 4,404 |
| Core capital (leverage) ratio | 9.5681% | 3,702 |
| Tier 1 risk-based capital ratio | 19.0069% | 1,799 |
| Total risk-based capital ratio | 20.2707% | 1,759 |
| Memoranda: | ||
| Average total assets | $188,241,500 | 3,265 |
| Average earning assets | $180,781,500 | 3,134 |
| Average equity | $17,757,000 | 3,440 |
| Average total loans | $119,951,000 | 3,258 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 4,036 |
| Cost of funding earning assets | 1.7853% | 1,226 |
| Net interest margin | 3.3290% | 5,876 |
| Noninterest income to average assets | 0.3630% | 5,204 |
| Noninterest expense to average assets | 2.9313% | 4,104 |
| Loan and lease loss provision to assets | 0.4058% | 3,678 |
| Net operating income to assets | 0.2158% | 5,229 |
| Return on assets (ROA) | 0.3922% | 4,722 |
| Pretax return on assets | 0.4188% | 4,885 |
| Return on Equity (ROE) | 4.0651% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.0651% | 3,016 |
| Net charge-offs to loans | 0.3178% | 4,428 |
| Credit loss provision to net charge-offs | 198.9390% | 1,585 |
| Earnings coverage of net charge-offs (x) | 3.1220% | 3,514 |
| Efficiency ratio | 82.1531% | 2,145 |
| Assets per employee ($millions) | 4.7344% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 2,665 |
| Loan loss allowance to noncurrent loans | 148.4021% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 5,138 |
| Noncurrent loans to loans | 1.2534% | 4,627 |
| Net loans and leases to total assets | 62.1025% | 4,266 |
| Net loans and leases to deposits | 81.1837% | 2,952 |
| Net loans and leases to core deposits | 122.2058% | 466 |
| Total domestic deposits to total assets | 76.4962% | 6,570 |
| Equity capital to assets | 9.3503% | 4,616 |
| Core capital (leverage) ratio | 9.3885% | 3,864 |
| Tier 1 risk-based capital ratio | 18.5435% | 1,830 |
| Total risk-based capital ratio | 19.8069% | 1,792 |
| Memoranda: | ||
| Average total assets | $184,832,000 | 3,298 |
| Average earning assets | $177,951,600 | 3,144 |
| Average equity | $17,834,800 | 3,451 |
| Average total loans | $118,610,000 | 3,338 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1026% | 4,298 |
| Cost of funding earning assets | 1.8367% | 1,276 |
| Net interest margin | 3.2660% | 6,121 |
| Noninterest income to average assets | 0.3194% | 5,596 |
| Noninterest expense to average assets | 2.9265% | 3,993 |
| Loan and lease loss provision to assets | 0.2613% | 4,493 |
| Net operating income to assets | 0.2456% | 5,369 |
| Return on assets (ROA) | 0.4282% | 4,812 |
| Pretax return on assets | 0.4870% | 4,973 |
| Return on Equity (ROE) | 4.4029% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.4029% | 3,397 |
| Net charge-offs to loans | 0.0485% | 6,037 |
| Credit loss provision to net charge-offs | 837.2093% | 357 |
| Earnings coverage of net charge-offs (x) | 17.3262% | 1,333 |
| Efficiency ratio | 84.4044% | 1,792 |
| Assets per employee ($millions) | 4.5699% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 2,684 |
| Loan loss allowance to noncurrent loans | 134.1358% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8440% | 5,408 |
| Noncurrent loans to loans | 1.3657% | 4,578 |
| Net loans and leases to total assets | 60.6707% | 4,784 |
| Net loans and leases to deposits | 84.2100% | 2,672 |
| Net loans and leases to core deposits | 115.1103% | 784 |
| Total domestic deposits to total assets | 72.0469% | 7,127 |
| Equity capital to assets | 9.6673% | 4,591 |
| Core capital (leverage) ratio | 9.4429% | 3,997 |
| Tier 1 risk-based capital ratio | 18.6152% | 1,841 |
| Total risk-based capital ratio | 19.8785% | 1,805 |
| Memoranda: | ||
| Average total assets | $183,696,500 | 3,365 |
| Average earning assets | $177,054,250 | 3,203 |
| Average equity | $17,866,750 | 3,489 |
| Average total loans | $118,303,750 | 3,398 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 4,270 |
| Cost of funding earning assets | 1.8436% | 1,459 |
| Net interest margin | 3.2920% | 6,040 |
| Noninterest income to average assets | 0.3426% | 5,409 |
| Noninterest expense to average assets | 2.9688% | 3,824 |
| Loan and lease loss provision to assets | 0.2653% | 4,272 |
| Net operating income to assets | 0.2314% | 5,452 |
| Return on assets (ROA) | 0.4874% | 4,541 |
| Pretax return on assets | 0.6002% | 4,563 |
| Return on Equity (ROE) | 5.0008% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.0008% | 2,896 |
| Net charge-offs to loans | 0.0203% | 6,057 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 41.4167% | 708 |
| Efficiency ratio | 84.3858% | 1,876 |
| Assets per employee ($millions) | 4.3968% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 2,928 |
| Loan loss allowance to noncurrent loans | 87.1237% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2953% | 4,559 |
| Noncurrent loans to loans | 1.9994% | 3,716 |
| Net loans and leases to total assets | 63.6574% | 4,324 |
| Net loans and leases to deposits | 83.5623% | 2,960 |
| Net loans and leases to core deposits | 125.1802% | 537 |
| Total domestic deposits to total assets | 76.1796% | 6,653 |
| Equity capital to assets | 9.6829% | 4,425 |
| Core capital (leverage) ratio | 9.6778% | 3,570 |
| Tier 1 risk-based capital ratio | 18.4387% | 1,848 |
| Total risk-based capital ratio | 19.7007% | 1,816 |
| Memoranda: | ||
| Average total assets | $180,950,000 | 3,432 |
| Average earning assets | $174,546,000 | 3,264 |
| Average equity | $17,637,330 | 3,526 |
| Average total loans | $118,197,670 | 3,429 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 3,822 |
| Cost of funding earning assets | 1.9326% | 1,316 |
| Net interest margin | 3.3096% | 5,934 |
| Noninterest income to average assets | 0.3172% | 5,607 |
| Noninterest expense to average assets | 2.8097% | 4,448 |
| Loan and lease loss provision to assets | 0.2680% | 3,879 |
| Net operating income to assets | 0.3363% | 5,135 |
| Return on assets (ROA) | 0.5651% | 4,201 |
| Pretax return on assets | 0.7303% | 4,120 |
| Return on Equity (ROE) | 5.7777% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.7777% | 2,724 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0254% | 2,560 |
| Assets per employee ($millions) | 4.2026% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 3,157 |
| Loan loss allowance to noncurrent loans | 196.0317% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 6,108 |
| Noncurrent loans to loans | 0.8541% | 5,603 |
| Net loans and leases to total assets | 64.2114% | 4,290 |
| Net loans and leases to deposits | 85.4457% | 2,693 |
| Net loans and leases to core deposits | 134.7528% | 396 |
| Total domestic deposits to total assets | 75.1487% | 6,882 |
| Equity capital to assets | 9.7880% | 4,130 |
| Core capital (leverage) ratio | 9.7304% | 3,479 |
| Tier 1 risk-based capital ratio | 18.5162% | 1,829 |
| Total risk-based capital ratio | 19.7768% | 1,795 |
| Memoranda: | ||
| Average total assets | $179,092,500 | 3,512 |
| Average earning assets | $172,828,500 | 3,360 |
| Average equity | $17,515,500 | 3,565 |
| Average total loans | $117,478,000 | 3,508 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6778% | 3,220 |
| Cost of funding earning assets | 2.1326% | 2,321 |
| Net interest margin | 3.5452% | 4,762 |
| Noninterest income to average assets | 0.3156% | 5,824 |
| Noninterest expense to average assets | 3.0758% | 3,852 |
| Loan and lease loss provision to assets | 0.6886% | 3,073 |
| Net operating income to assets | -0.0160% | 5,521 |
| Return on assets (ROA) | 0.3850% | 4,288 |
| Pretax return on assets | 0.4648% | 4,306 |
| Return on Equity (ROE) | 3.8962% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.8962% | 2,485 |
| Net charge-offs to loans | 0.2712% | 4,923 |
| Credit loss provision to net charge-offs | 384.6154% | 825 |
| Earnings coverage of net charge-offs (x) | 3.7436% | 3,221 |
| Efficiency ratio | 82.1078% | 2,582 |
| Assets per employee ($millions) | 4.4369% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 3,337 |
| Loan loss allowance to noncurrent loans | 271.3450% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 6,438 |
| Noncurrent loans to loans | 0.5849% | 6,071 |
| Net loans and leases to total assets | 64.8472% | 4,401 |
| Net loans and leases to deposits | 86.3958% | 2,844 |
| Net loans and leases to core deposits | 124.8340% | 1,585 |
| Total domestic deposits to total assets | 75.0583% | 6,853 |
| Equity capital to assets | 9.7721% | 4,040 |
| Core capital (leverage) ratio | 9.4947% | 3,729 |
| Tier 1 risk-based capital ratio | 18.4616% | 1,763 |
| Total risk-based capital ratio | 19.7264% | 1,721 |
| Memoranda: | ||
| Average total assets | $174,265,600 | 3,526 |
| Average earning assets | $168,621,600 | 3,374 |
| Average equity | $17,222,000 | 3,630 |
| Average total loans | $115,039,000 | 3,581 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5928% | 3,906 |
| Cost of funding earning assets | 2.1344% | 2,732 |
| Net interest margin | 3.4584% | 5,040 |
| Noninterest income to average assets | 0.3182% | 5,935 |
| Noninterest expense to average assets | 3.0277% | 3,942 |
| Loan and lease loss provision to assets | 0.4612% | 3,606 |
| Net operating income to assets | 0.1369% | 5,363 |
| Return on assets (ROA) | 0.4643% | 4,245 |
| Pretax return on assets | 0.5980% | 4,193 |
| Return on Equity (ROE) | 4.6843% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.6843% | 2,662 |
| Net charge-offs to loans | 0.1525% | 5,192 |
| Credit loss provision to net charge-offs | 458.0153% | 855 |
| Earnings coverage of net charge-offs (x) | 6.3513% | 2,624 |
| Efficiency ratio | 82.5613% | 2,502 |
| Assets per employee ($millions) | 4.5548% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 4,948 |
| Loan loss allowance to noncurrent loans | 243.1472% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 6,672 |
| Noncurrent loans to loans | 0.5065% | 6,292 |
| Net loans and leases to total assets | 63.2582% | 5,027 |
| Net loans and leases to deposits | 88.2352% | 2,914 |
| Net loans and leases to core deposits | 122.9709% | 1,996 |
| Total domestic deposits to total assets | 71.6927% | 7,251 |
| Equity capital to assets | 9.7825% | 4,373 |
| Core capital (leverage) ratio | 9.6445% | 3,723 |
| Tier 1 risk-based capital ratio | 18.4224% | 1,884 |
| Total risk-based capital ratio | 19.6763% | 1,831 |
| Memoranda: | ||
| Average total assets | $173,463,500 | 3,564 |
| Average earning assets | $167,973,250 | 3,405 |
| Average equity | $17,191,750 | 3,666 |
| Average total loans | $114,563,000 | 3,623 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7223% | 3,422 |
| Cost of funding earning assets | 2.2052% | 2,768 |
| Net interest margin | 3.5171% | 4,718 |
| Noninterest income to average assets | 0.3225% | 5,931 |
| Noninterest expense to average assets | 3.1275% | 3,590 |
| Loan and lease loss provision to assets | 0.3518% | 3,818 |
| Net operating income to assets | 0.1887% | 5,309 |
| Return on assets (ROA) | 0.5523% | 3,990 |
| Pretax return on assets | 0.7423% | 3,859 |
| Return on Equity (ROE) | 5.5473% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.5473% | 2,224 |
| Net charge-offs to loans | 0.1581% | 4,615 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 5.7111% | 2,777 |
| Efficiency ratio | 83.8416% | 2,493 |
| Assets per employee ($millions) | 4.3417% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 6,060 |
| Loan loss allowance to noncurrent loans | 101.1159% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 5,735 |
| Noncurrent loans to loans | 1.0117% | 5,184 |
| Net loans and leases to total assets | 65.6248% | 4,639 |
| Net loans and leases to deposits | 92.7362% | 2,327 |
| Net loans and leases to core deposits | 123.8979% | 2,035 |
| Total domestic deposits to total assets | 70.7651% | 7,399 |
| Equity capital to assets | 9.8699% | 4,121 |
| Core capital (leverage) ratio | 9.8221% | 3,487 |
| Tier 1 risk-based capital ratio | 17.1974% | 2,235 |
| Total risk-based capital ratio | 18.4031% | 2,193 |
| Memoranda: | ||
| Average total assets | $170,553,670 | 3,624 |
| Average earning assets | $165,248,330 | 3,470 |
| Average equity | $16,981,330 | 3,716 |
| Average total loans | $113,854,330 | 3,676 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 3,788 |
| Cost of funding earning assets | 2.3184% | 2,623 |
| Net interest margin | 3.3847% | 5,193 |
| Noninterest income to average assets | 0.3503% | 5,644 |
| Noninterest expense to average assets | 3.3634% | 2,461 |
| Loan and lease loss provision to assets | 0.2840% | 3,687 |
| Net operating income to assets | -0.0183% | 6,283 |
| Return on assets (ROA) | 0.5515% | 4,394 |
| Pretax return on assets | 0.7385% | 4,290 |
| Return on Equity (ROE) | 5.5143% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.5143% | 2,857 |
| Net charge-offs to loans | 0.0035% | 5,676 |
| Credit loss provision to net charge-offs | 12,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 396 |
| Efficiency ratio | 92.7546% | 1,519 |
| Assets per employee ($millions) | 4.1325% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,505 |
| Loan loss allowance to noncurrent loans | 107.1992% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 5,683 |
| Noncurrent loans to loans | 0.8845% | 5,233 |
| Net loans and leases to total assets | 67.0204% | 4,337 |
| Net loans and leases to deposits | 95.7131% | 1,988 |
| Net loans and leases to core deposits | 130.1240% | 1,651 |
| Total domestic deposits to total assets | 70.0222% | 7,423 |
| Equity capital to assets | 10.0725% | 3,914 |
| Core capital (leverage) ratio | 9.8611% | 3,572 |
| Tier 1 risk-based capital ratio | 18.5463% | 1,915 |
| Total risk-based capital ratio | 19.7631% | 1,890 |
| Memoranda: | ||
| Average total assets | $168,996,000 | 3,670 |
| Average earning assets | $163,559,000 | 3,518 |
| Average equity | $16,901,500 | 3,749 |
| Average total loans | $113,207,500 | 3,718 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0034% | 5,531 |
| Cost of funding earning assets | 2.5507% | 3,953 |
| Net interest margin | 3.4527% | 5,456 |
| Noninterest income to average assets | 0.1678% | 7,220 |
| Noninterest expense to average assets | 2.6718% | 5,376 |
| Loan and lease loss provision to assets | 0.2275% | 4,616 |
| Net operating income to assets | 0.4494% | 4,954 |
| Return on assets (ROA) | 0.4346% | 4,836 |
| Pretax return on assets | 0.5785% | 4,760 |
| Return on Equity (ROE) | 4.3519% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.3519% | 2,409 |
| Net charge-offs to loans | 0.1989% | 4,204 |
| Credit loss provision to net charge-offs | 171.2963% | 2,985 |
| Earnings coverage of net charge-offs (x) | 6.2176% | 3,411 |
| Efficiency ratio | 76.3930% | 3,170 |
| Assets per employee ($millions) | 4.2140% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 6,825 |
| Loan loss allowance to noncurrent loans | 132.0600% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 5,912 |
| Noncurrent loans to loans | 0.6558% | 5,397 |
| Net loans and leases to total assets | 65.7368% | 4,908 |
| Net loans and leases to deposits | 98.5082% | 2,050 |
| Net loans and leases to core deposits | 128.4514% | 1,968 |
| Total domestic deposits to total assets | 66.7323% | 7,599 |
| Equity capital to assets | 9.9294% | 4,123 |
| Core capital (leverage) ratio | 9.8230% | 3,619 |
| Tier 1 risk-based capital ratio | 18.2084% | 1,989 |
| Total risk-based capital ratio | 19.2877% | 1,981 |
| Memoranda: | ||
| Average total assets | $162,662,200 | 3,672 |
| Average earning assets | $156,861,600 | 3,533 |
| Average equity | $16,245,800 | 3,879 |
| Average total loans | $108,589,000 | 3,717 |